Are There Special Homebuyer Programs in Bakersfield? What You Should Know Before You Assume You Can't Buy

A lot of would-be buyers in Bakersfield quietly assume:

• “I probably don’t qualify yet.”
• “I need 20% down first.”
• “My credit isn’t perfect, so it’s not worth trying.”

In reality, many buyers are closer than they think to being able to purchase.

Common Types of Buyer Options

While exact programs change over time (your lender will confirm current offerings), many Bakersfield buyers have access to:

• Low down payment loan options
• Programs that allow 3–5% down
• Closing cost credits (sometimes negotiated from the seller)
• Occasional grants or assistance for qualifying buyers

Our job is to:

• Connect you with knowledgeable local lenders
• Structure your offer to work with your financing
• Help keep your deal attractive to sellers, even if you’re using assistance or lower down payment options

Why You Should Talk to a Real Estate Team and a Lender Early

At Gregorio Real Estate Group, we work hand-in-hand with lenders to:

• Clarify your max price and comfortable payment
• Help you understand out-of-pocket costs (down payment + closing costs)
• Position your offers so Bakersfield sellers see you as serious and solid

Because we’ve represented 104 buyers and closed 172 transactions, we’ve seen all kinds of financing scenarios—and we know how to navigate them.

Marketing & Negotiation Power That Helps Your Financing

Our reputation in Bakersfield as a top-performing, five-star reviewed team matters.

Other agents know:

• We run clean, professional transactions
• We communicate well
• We understand how to get deals closed

That makes listing agents more comfortable accepting offers from our buyers—even when the terms aren’t “perfect on paper.” Our job is to present you in the best possible light.

You Don’t Have to Be Perfect to Get Started

You don’t need:

• 20% down
• Flawless credit
• Everything “perfect” to start the conversation

What you do need is:

• Honest feedback
• A clear plan
• A team that will help you get from where you are now to where you want to be

Ready to See What’s Possible?

If you’re in Bakersfield or Kern County and wondering whether homeownership is realistic for you:

👉 Reach out to Gregorio Real Estate Group at 661.447.5111.

We’ll connect you with trusted lenders, walk you through your options, and then guide you step-by-step through the entire buying process when you’re ready.