@bakersfieldlender

Mortgage Tips and Weekly Updates

Quick, no-fluff videos to help you understand home loans, rates, and the buying process, whether you're a first-time buyer or a seasoned homeowner.

Videos loading. Check back shortly.

Watch on YouTube

Video Library

Every video has its own page with Dan's notes, key points, and related resources.

Why your builder wants you to ask for this

Why your builder wants you to ask for this

Watch and read →

How to get a better deal in this market

How to get a better deal in this market

Watch and read →

Why You Should Ask for a Rate Buydown Right Now

Why You Should Ask for a Rate Buydown Right Now

Watch and read →

Why you should ask for a rate buydown

Why you should ask for a rate buydown

Watch and read →

Why 7% mortgage rates aren't the end of the world

Why 7% mortgage rates aren't the end of the world

Watch and read →

First Fed Hike in 3 Years, and It's Not the Last...

First Fed Hike in 3 Years, and It's Not the Last...

Watch and read →

The hidden leverage you have as a buyer right now

The hidden leverage you have as a buyer right now

Watch and read →

Why Your Mortgage Payment Depends On This Report

Why Your Mortgage Payment Depends On This Report

Watch and read →

Why You Shouldn't Wait For A Housing Crash

Why You Shouldn't Wait For A Housing Crash

Watch and read →

Everyone Is Waiting for Rates to Drop... But What If They Don't?

Everyone Is Waiting for Rates to Drop... But What If They Don't?

Watch and read →

Mortgage Rates Could Be About to Move!

Mortgage Rates Could Be About to Move!

Watch and read →

Bad Jobs Report, Good News For Homebuyers?

Bad Jobs Report, Good News For Homebuyers?

Watch and read →

Three Fed Officials Tried to Raise Your Rate (And Lost!)

Three Fed Officials Tried to Raise Your Rate (And Lost!)

Watch and read →

Lowest Unemployment Claims Since 1969? (There’s a Catch!)

Lowest Unemployment Claims Since 1969? (There’s a Catch!)

Watch and read →

Inflation cooling means better rates!

Inflation cooling means better rates!

Watch and read →

Why Next Week's Inflation Report Could Be A Big Deal for Mortgage Rates!

Why Next Week's Inflation Report Could Be A Big Deal for Mortgage Rates!

Watch and read →

It’s my birthday! And sellers are paying closing costs!

It’s my birthday! And sellers are paying closing costs!

Watch and read →

Your Rate's Stuck at 6.5% Until This Changes!

Your Rate's Stuck at 6.5% Until This Changes!

Watch and read →

Commercial loans and commercial real estate financing in Bakersfield, California and Nationwide!

Commercial loans and commercial real estate financing in Bakersfield, California and Nationwide!

Watch and read →

Iran, Jobs, and Why Housing Is Winning!

Iran, Jobs, and Why Housing Is Winning!

Watch and read →

Mortgage Rates Hit a 3-Year Spring Low (Here's What It Means)

Mortgage Rates Hit a 3-Year Spring Low (Here's What It Means)

Watch and read →

Oil Prices Crashing, Treasury Yields Falling - Your Mortgage Benefits!

Oil Prices Crashing, Treasury Yields Falling - Your Mortgage Benefits!

Watch and read →

178,000 Jobs Added... But Watch What Happens Next

178,000 Jobs Added... But Watch What Happens Next

Watch and read →

Oil Up 40%. Rates Spiked. Recession Odds Doubled!

Oil Up 40%. Rates Spiked. Recession Odds Doubled!

Watch and read →

Waller's Comments & European Banks Just Crushed the Bond Market

Waller's Comments & European Banks Just Crushed the Bond Market

Watch and read →

Oil Prices Are Crushing Mortgage Rates Right Now!

Oil Prices Are Crushing Mortgage Rates Right Now!

Watch and read →

Home prices didn’t crash. The headlines just wanted clicks.

Home prices didn’t crash. The headlines just wanted clicks.

Watch and read →

The Jobs Report Looks Strong — But.... It's NOT.

The Jobs Report Looks Strong — But.... It's NOT.

Watch and read →

The Fed Is Watching Jobs Closely — So Should Homebuyers!

The Fed Is Watching Jobs Closely — So Should Homebuyers!

Watch and read →

Mortgage Rates Could Move BEFORE the Fed Meeting Next Week

Mortgage Rates Could Move BEFORE the Fed Meeting Next Week

Watch and read →

This Is Why Waiting to Buy Could Cost You More - Buyers are BACK!

This Is Why Waiting to Buy Could Cost You More - Buyers are BACK!

Watch and read →

Trump is calling for lower rates!

Trump is calling for lower rates!

Watch and read →

You can’t refinance the price you missed!

You can’t refinance the price you missed!

Watch and read →

Klarna and Affirm purchases can kill your mortgage approval

Klarna and Affirm purchases can kill your mortgage approval

Watch and read →

How Seller Concessions Work

How Seller Concessions Work

Watch and read →

5 Things First-Time Buyers Need to Know

5 Things First-Time Buyers Need to Know

Watch and read →

A Message to First-Time Home Buyers from Dan Ardis

A Message to First-Time Home Buyers from Dan Ardis

Watch and read →

The Face You Make When a Buyer Says They Don't Need a Pre-Approval

The Face You Make When a Buyer Says They Don't Need a Pre-Approval

Watch and read →

FHA vs Conventional: Which Loan Is Right for You?

FHA vs Conventional: Which Loan Is Right for You?

Watch and read →

Topics Covered

Dan breaks down the mortgage topics that matter most to Bakersfield homebuyers.

First-Time Home BuyersFHA LoansVA LoansDown Payment OptionsCredit Score TipsInterest RatesRefinancingPre-Approval ProcessClosing CostsHELOCMortgage MythsMarket Updates
★★★★★5 · 62 Reviews · 600+ Families · 20+ Years
Get Started

Ready to Talk About Your Home Loan?

Dan answers questions every day in his videos, and he'll answer yours personally too.

CallTextApply →No credit impact