Terms of Service

Last Updated: January 1, 2026

By accessing HomeLoansBakersfield.com, you agree to these Terms of Service.

1. Use of This Website

This website is operated by Dan Ardis through Barrett Financial Group (NMLS# 181106). The information provided is for general informational purposes only and does not constitute a commitment to lend. All loan products are subject to credit and property approval.

2. Not a Mortgage Commitment

Rates, terms, and programs shown on this website are subject to change without notice and are not available to all borrowers. Borrower must qualify under applicable credit and underwriting guidelines.

3. Intellectual Property

All content on this website is owned by Dan Ardis / Barrett Financial Group unless otherwise noted. You may not reproduce, distribute, or use any content without express written permission.

4. Third-Party Links

This site may link to third-party websites (such as the online application portal and HELOC partner). We are not responsible for the content or privacy practices of those sites.

5. Licensing Disclosure

Dan Ardis NMLS# 1412272. Barrett Financial Group NMLS# 181106. Licensed in California, Texas, and Arkansas. Equal Housing Lender. Check license status at NMLSConsumerAccess.org.

6. Contact

For questions about these terms, contact Dan Ardis at danardis@barrettfinancial.com or (661) 342-9381.