Top Mortgage Lender in Delano, CA
Secure the lowest interest rates and the fastest closing times in Kern County.
Direct Capital Lending helps you navigate the complex path to homeownership with personalized service
Leverage 26 Years of Mortgage Industry Experience
Aldo Gutierrez and his dedicated team have helped Central Valley families secure home loans since 2001. We maintain a 5-star reputation with local clients because we prioritize your financial success. Our membership in the National Association of Mortgage Brokers ensures you receive professional and ethical guidance.
We understand that a home is more than just a building; it is the foundation of your future. By working with us, you gain an advocate who will work day and night to get you approved. You deserve a partner who treats every client with dignity, honor, and respect.
Supporting Homeownership Across Delano and the San Joaquin Valley
We are proud to serve the hardworking residents of the “Meca of Farming”. Whether you are looking for a home near McFarland or a first-time buyer in Earlimart, we ground our services in local expertise. When you choose a mortgage lender in Delano, you need someone who knows the Kern County market inside and out.
Our team specializes in serving the Spanish-speaking community to ensure everyone has a seat at the table.
We believe that clear communication in your preferred language is the key to a stress-free experience.
From Bakersfield to Visalia, we are committed to building a stronger, more prosperous Central Valley.
Choose a Financing Plan That Fits Your Life
First-Time Buyer Programs
FHA Loans
A path to ownership even for those with lower credit scores.
VA Loans — $0 Down
We help veterans secure the most competitive rates in the market.
Construction & Property Expansion
Construction Completion Loans
Funded in as little as 21 days to get your build moving.
ADU Financing
Build an Accessory Dwelling Unit for rental income or family.
51-Bank Network
Access to 51 different banks to find the program that fits your needs.
Investor & Commercial
Hard Money Loans
Asset-based lending to move quickly on new investment opportunities.
Commercial Financing
Large capital expenditure solutions for your local business.
5-Star Rated on Google
FAQ’s – mortgage lender in Delano, CA
How much does it cost to get started with a loan application?
We offer a free 15-minute pre-qualification to help you understand your buying range without any upfront fees. This allows you to shop for your dream home with complete confidence.
How fast is the typical mortgage loan process?
We pride ourselves on an industry-leading 16 to 21-day closing average. Our team works efficiently to get you the keys to your new home as quickly as possible.
What are the current mortgage rates in Kern County?
Rates change daily based on the market, but we guarantee the most competitive rates by shopping through our network of over 50 lenders. We work to find the best financing solution for your specific household income.
Can I still qualify for a loan if I have a lower credit score?
Yes, we offer credit repair services and have successfully helped borrowers raise their scores significantly in just 45 days. We believe in looking at your full financial picture to find a way to say yes.
Is it better to be a or go to a national bank?
A local broker like Direct Capital Lending provides more options than any single bank can offer. We provide a one-on-one approach that national chains simply cannot match.
NMLSID: 278744
NMLSCDID: 396625
BREID: 01399575
Se Habla Español
All Rights Reserved | Direct Capital Lending | Sitemap
Designed by Chavez Web Design and Creative Roofing Marketing