I'm Based in Bakersfield.
I Can Help You Anywhere.

California is Dan's home market. Based in Bakersfield, he has spent 20+ years helping Kern County families buy homes, refinance, and build investment portfolios. The Bakersfield market is unique within California: median home prices are lower than the state average ($360,000-$400,000 for a Kern County SFR), but FHA and VA loan limits still apply, and the local economy driven by oil, agriculture, logistics, and healthcare creates diverse borrower profiles that require real underwriting experience.

For buyers in the broader California market, Dan originates across the entire state — from San Diego to San Francisco to Sacramento. The 2026 conforming loan limit is $806,500 for most CA counties, with higher limits in high-cost coastal markets ($1,089,300 in Los Angeles, Orange, and SF metro counties). Jumbo loans above those limits are available through multiple wholesale lenders. CalHFA down payment assistance programs are available for qualifying buyers, and Dan is CalHFA-approved to originate DPA loans. FHA, VA, USDA (for rural Kern County communities like Arvin and Lamont), and DSCR investor loans are all available statewide.

• Bakersfield & Kern County specialist with 20+ years local experience
• FHA, VA, Conventional, Jumbo, DSCR & Commercial statewide
• 2026 Kern County FHA limit: $541,287 | Conforming: $806,500
• CalHFA-approved — down payment assistance programs available
• USDA rural financing for Kern County agricultural communities

Texas is one of the most active residential and commercial real estate markets in the country, and Dan is personally licensed to originate mortgages across the state. Texas has no state income tax, which increases buyers' effective purchasing power compared to high-tax states. The housing market spans from entry-level affordability in smaller cities to competitive mid-range markets in the DFW Metroplex, Houston, and Austin, where median home prices run $300,000-$600,000+ depending on the submarket.

The 2026 conforming loan limit applies statewide in Texas at $806,500, with VA loans available to the significant veteran and active-duty military population across Joint Base San Antonio, Fort Hood (Fort Cavazos), and other installations. Texas is a community property state, which affects how spousal income and debts are handled in qualification. Commercial lending is particularly strong in Texas — multifamily properties in Dallas, Houston, and San Antonio have attracted institutional and private investors, and Dan originates commercial loans for apartment buildings, retail centers, mixed-use, and industrial properties across the state.

• No state income tax — increases effective purchasing power
• Conforming, FHA, VA, Jumbo & Commercial statewide
• Large military population: VA lending across multiple installations
• Strong commercial market for multifamily and mixed-use
• Community property state — spouse income and debt rules apply

Arkansas consistently ranks among the most affordable states for homebuyers, with median home prices in the $175,000-$250,000 range in most markets. This affordability creates strong FHA and conventional purchase activity, particularly in the Fayetteville-Springdale-Rogers metro (Northwest Arkansas), which has seen significant population and job growth driven by Walmart's headquarters in Bentonville and a growing technology and logistics sector.

USDA rural eligibility covers a significant portion of the state, providing zero-down financing for buyers in smaller communities and rural areas throughout AR. The FHA program is particularly strong for Arkansas first-time buyers because the 3.5% down payment on a $200,000 home requires only $7,000 down — attainable for many buyers who have been renting. VA loans serve the veteran population near Little Rock Air Force Base and other installations. Dan is also licensed to originate commercial loans in Arkansas for multifamily, retail, and mixed-use properties, and the affordability of commercial real estate in smaller AR markets creates opportunities for investors.

• Among the most affordable states — median home prices $175K-$250K
• FHA, VA, USDA (rural eligible areas) & Commercial available
• Northwest Arkansas (Bentonville, Fayetteville) growing rapidly
• USDA zero-down financing for rural communities
• Low entry points for commercial real estate investment

Washington State presents two distinct real estate markets: the high-cost greater Seattle metro — including Bellevue, Redmond, and Kirkland where tech employment drives median home prices well above $700,000 in many neighborhoods — and Eastern Washington, including Spokane and the Tri-Cities, where prices are more comparable to Bakersfield and affordability is strong. Dan is personally licensed statewide and originates across both markets.

Washington has no state income tax, which makes it attractive for high-income earners relocating from California and other high-tax states. The Seattle metro requires Jumbo loan expertise for many transactions, and Dan shops multiple wholesale jumbo lenders to find competitive rates for these larger loan amounts. Joint Base Lewis-McChord (JBLM) near Tacoma is one of the largest military installations in the country, creating significant VA loan demand for active-duty families and veterans purchasing homes in the South Sound region. FHA and conventional loans serve the more affordable Eastern Washington markets effectively.

• Greater Seattle metro (Jumbo-heavy) and Eastern WA (affordable)
• FHA, VA, Conventional, Jumbo & Commercial statewide
• No state income tax on wages — attractive for CA relocators
• VA lending for JBLM and Bangor Naval Base communities
• Remote closings available — same service as in-person