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Kern County, California VA Loans Info

The 2019 $0 down, VA home loan limit for Kern County is $484,350.

Kern County California is home to Edwards Air Force Base and the China Lake Naval Air Weapons Station. Kern County is known for its oil fields and outdoor recreation. Among the outdoor recreational activities are: Horseback riding, water skiing, off-road biking and dune buggies, auto racing, hunting, paint ball courses, white water rafting, snow skiing, hiking, biking, camping, fishing, and other activities.

Kern County is located in southern California. The economy is mainly agriculture and petroleum extraction. The county is strongly Republican. There are about 864,124 people who live there and about 45,745 veterans. The median household income is $47,727 and the median home price is $171,200.


Maximum VA Appraisal Fees Allowable In Kern County:

  • Single Family: $450
  • Condominium: $450
  • Manufactured Housing ( including modular): $450
  • Duplex $500
  • Triplex $600
  • Fourplex $600
  • Repair Certification $100

Are you a veteran planning to move to Kern County?

kern county military homes for saleBased on VA guidelines, the VA limits their loan guarantees to a maximum of $417,000 unless it’s listed higher based on county limits. In the case of Kern County, California, that limit falls within the $417,000 figure. That’s for a 0 down, VA home loan limit.

Located in the southern part of California, Kern County is known for its oil fields, along with an abundance of outdoor recreational opportunities. Residents of Kern County enjoy horseback riding, water skiing, off-road biking, hunting, hiking, camping and fishing. The area also provides Olympic quality kayaking, snow skiing, and many other outdoor activities.

The population of Kern County is 851,710, and the largest city in the county is Bakersfield. Other cities include Arvin, California City, Ridgecrest, McFarland, Shafter and Taft. The median price of homes in Kern County is $178,300, and there is a wide range of housing to choose from. For veterans in Kern County, the VA loan can help you purchase a home.

As a veteran, the best way to finance your home is with a VA loan. You’ll get a very competitive interest rate, and while there are some funding fees you’ll be required to pay, there’s no worrying about having to finance your down payment. All VA loans are zero down.

Buying a home with a VA loan is only one option. You can also build a new home, make needed repairs or upgrades to your existing home. You can also make various types of energy efficient improvements to your home. And here’s another reason to consider a VA loan: you can refinance an exiting VA loan to take advantage of today’s lower interest rates.

There are other reasons to finance using a VA loan over other types of loans. Not all loans are assumable, but VA loans are – just as long as the person who is assuming the loan meets the qualifications.

Another great way to finance your home is the CalVet Home Loan. This loan allows veterans to purchase property in California including mobile homes and farm land as well as normal properties.


Here are a few other advantages of a VA loan:

  • Since the VA limits the amount of closing costs you pay on a loan, you’ll never have to pay more than what is considered a fair price
  • You can prepay your VA loan without having to pay a penalty
  • If there comes a time when you’re having problems making your loan payments, the VA will be there to assist you

After you obtain your certificate of eligibility and before you apply for your loan, get a copy of your credit report and review it. Make sure that you don’t see any discrepancies; if you do, be sure to resolve them. Since the VA is more interested in the past 12 months, be sure you’re making all of your payments on time. And don’t make any major purchases that could impact your credit score. Wait until your loan is approved to make the purchases.

Speaking of credit, you’ll need to have a good credit score. Here’s where the VA is an advantage to you – they’re more lenient than other lenders.

Also, you’ll have to meet certain minimum requirements for your loan approval – that are based on your family size and your location. The VA wants to make sure you cannot only pay your mortgage, but that you have enough income to pay your other expenses as well.

Here’s another tip: the VA would like to see that you’ve been employed for 2 consecutive years. There are some exceptions, but if you don’t meet the 2-year requirement, you’ll have to explain why you weren’t continuously employed.

If you’d like more information, or assistance with applying for a VA loan in Kern County, the professionals at VA Home Loan Centers are ready to help.


Kern County VA Homes Property Search

You can use the Kern County VA HLC property search for the following cities: Bakersfield, Delano, Ridgecrest, Wasco, Arvin, Shafter, Tehachapi, McFarland, California City, Taft and Maricopa.

The property search is being updated. Please use the form at the top right to request an email of current VA homes for sale.


VA Approved Condos in Kern County

Condo Name (ID): GREEN ACRES TOWNHOMES (007262)
Address: RIDGECREST  CA  93555  KERN
Status: Pending
Last Update: Unavailable
Request Received Date: 06/03/2004
Review Completion Date: Unavailable


Condo Name (ID): HIDDEN LAKES (002531) TRACT 4786
Address: BAKERSFIELD, CA 93306 –  0000 Kern County
Status: HUD Accepted
Last Update: Unavailable
Request Received Date: June 1, 1988
Review Completion Date: June 1, 1988


Condo Name (ID): VALHALLA VILLAGE CONDOS (007136)
Address: BAKERSFIELD, CA 93309 Kern County
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: November 7, 1990
Review Completion Date: Unavailable