The FHA loan limit for 2025 in Kern County is $524,225.
- The limit above is based on a 1-unit property.
Click Here to See Our Fantastic Rates!
Loans above $524,225 for a 1-unit property in Kern County would not qualify for FHA financing.
FHA financing is possible on 2-4 unit properties as well. Here are the FHA loan limits for multi-unit properties in Kern County…
- 2-unit property – $671,200
- 3-unit property – $811,275
- 4-unit property – $1,008,300
Click Here for Conforming Loan Limits for Kern County 2025
If you are looking for a loan over $524,225 for a 1-unit property, you can explore conventional financing in Kern County, where the conforming loan limit is $806,500.
If you are looking to purchase a home or refinance an existing home, we would love to work with you! We are EXTREMELY competitive on FHA loans.
Most lenders earn 2-3 points (2-3% of your loan amount) or more on FHA loans. We earn 1% of your loan amount (paid by the lender), and we do not charge any loan processing fees. This is substantially less than 99% of the lenders out there, and any lender who can beat us on rate will lack the service we provide.
Along with offering lower FHA rates than competing lenders, we also offer rates with lender credits to apply toward closing costs. Not all lenders offer rates that come with lender credits.
If you are looking for a purchase loan or a refinance in Kern County, we would love to work with you! We can close a purchase loan in as little as 10 days and refinances in 15 days. You won’t find a lower rate and better service than Community First Mortgage.
Check out our reviews on Yelp!
| Date Updated | Time |
|---|---|
| Feb 5, 2025 | 9:37 AM |
| Loan Type | Loan Purpose | Loan Term | Interest Rate | APR | Points |
|---|---|---|---|---|---|
| Conforming | Purchase | 30 year fixed | 6.125% | 6.273% | 1.210 |
| Conforming | Purchase | 30 year fixed | 6.500% | 6.533% | 0.000 |
| Conforming | Purchase | 20 year fixed | 6.125% | 6.256% | 0.699 |
| Conforming | Purchase | 15 year fixed | 5.375% | 5.516% | 0.571 |
| FHA | Purchase | 30 year fixed | 5.875% | 6.648% | 0.275 |
| VA | Purchase | 30 year fixed | 5.875% | 6.115% | 0.043 |
Conforming
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 6.125% | 6.273% | 1.210 |
| 6.500% | 6.533% | 0.000 |
20 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 6.125% | 6.256% | 0.699 |
15 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.375% | 5.516% | 0.571 |
FHA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.875% | 6.115% | 0.043 |
VA
30 Year Fixed
| Interest | APR | Points |
|---|---|---|
| 5.875% | 6.648% | 0.275 |
Community First Mortgage has been in business since 1986 in the same building right here in Westlake Village. Check out our reviews on Yelp!
Request a free personalized rate quote by clicking the buttons below and see how much you can save!
