Accelerated Lending Group
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USDA Loans Bakersfield CA | Accelerated Lending Group
Bakersfield • Kern County • California
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Bakersfield • Kern County • CA

USDA Loans in Bakersfield, California

Ready for rural living? Embrace the tranquility of the countryside with Accelerated Lending Group—serving Bakersfield, Kern County, and across California.

CURRENT: You want a peaceful home outside the hustle and bustle, but you’re not sure which loan fits rural homeownership goals.
COST: Choosing the wrong program can lead to delays, extra back-and-forth, and missed opportunities when you find the right home.
DESIRED: A clear, affordable path to a primary residence in a serene, rural setting.
BRIDGE: USDA loans are built to make countryside homeownership more accessible—so you can focus on the move, not the confusion.
No down payment requiredMinimum FICO 620Primary residenceUpfront funding fee financedAnnual fee requiredUp to 6% seller contribution allowed
Apply Online
Request a Quote
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Note: Programs and terms vary. This page is informational only and does not guarantee approval.

USDA Loan Highlights

  • Minimum FICO Score: 620
  • Down Payment: No down payment required
  • Occupancy: Must be your primary residence
  • Upfront funding fee financed
  • Annual fee required
  • Up to 6% seller contribution allowed
We’ll review your goals and point you to the right next step—no hype, no pressure.

Why Borrowers in Bakersfield Use This Program

Many Bakersfield buyers want space, quiet, and a simpler pace—without overcomplicating the financing. USDA loans are commonly explored when the goal is a primary residence that aligns with countryside living.

What You’re Trying to Achieve

  • Move toward a peaceful lifestyle away from city congestion
  • Make homeownership more accessible and affordable
  • Keep the focus on the home and the move—rather than guessing at loan fit

How USDA Loans Help Bridge the Gap

  • No down payment required
  • Primary residence focus
  • Up to 6% seller contribution allowed
  • Minimum FICO score: 620
  • Upfront funding fee financed and annual fee required
Step 1
Share your rural living goal
Tell us what “countryside living” looks like for you in Bakersfield and beyond.
Step 2
Review the USDA fit
We’ll confirm the USDA highlights that matter most for your plan (primary residence, FICO, seller contribution).
Step 3
Take the next best step
Apply online or request a quote to move forward with clarity.

How the Process Works

Simple, clean steps to help you move from “thinking about rural living” to a confident next action.

1
Apply or request a quote

Start online so we can understand your goal for a USDA primary residence and what matters most to you.

Apply Online
Request a Quote
2
Confirm the USDA highlights

We’ll align your plan with the published program highlights: no down payment, primary residence, minimum FICO 620, and allowable seller contribution.

3
Move forward with a clear next step

Once the basics are aligned, you’ll know the best next action—without hype or guesswork.

FAQ

FAQ (click a question to view the answer)

What is a USDA loan?
A USDA loan is a mortgage option often used by buyers pursuing a primary residence aligned with rural living goals. This page highlights key USDA program points such as no down payment required and occupancy as a primary residence.
Is a down payment required?
The highlights shown here indicate that no down payment is required for this program.
What credit score is referenced for this program?
The program highlights reference a minimum FICO score of 620.
Can this be used for a second home or investment property?
The highlights shown here specify occupancy as a primary residence.
Are there fees associated with this program?
The highlights shown here note that an upfront funding fee may be financed and that an annual fee is required.
How much can the seller contribute?
The highlights shown here indicate that up to 6% seller contribution is allowed.
How do I get started?
Use “Apply Online” to begin the application or “Request a Quote” to start with a guided next step. You can also use the “Call Now” button to speak with us directly.

Local Trust & Compliance

Accelerated Lending Group proudly serves Bakersfield, Kern County, and all areas of California.

NMLS 1563471 • DRE 02022124
All loans are subject to the marketability, quality & condition of the subject property for approval. The programs advertised are not a commitment or guarantee from Accelerated Lending Group to lend. Programs, rates, and other terms and conditions are subject to change without notice; some restrictions apply.