Central Valley Mortgages | Finance West Lending

Get the best rates on home loans in The Central Valley. Finance West Lending helps buyers and homeowners in the Central Valley, from Bakersfield to Stockton with all types of residential mortgages: Conforming, Non-QM, FHA, VA, and Jumbo mortgages.

Jumbo Loans — Higher limits for Orange County luxury homes.

Bridge Loans & Renovation Financing — Buy before you sell

FHA Loans — Low down payment for first-time buyers.

VA Loans — Zero down and lower fees for veterans.

Conventional Loans — Competitive rates for buyers with strong credit.

Refinance (Rate-Term & Cash-Out) — Lower payments or access equity.

Non-QM / Bank Statement Loans — For self-employed borrowers and investors.

Based in Torrance, serving the Central Valley with tailored home loans, refinancing, and investor financing.

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Schedule Free Consultation

Phone: (866) 600-9011

Housing Market Snapshot October 2025 for Bakersfield CA

Why Central Valley homeowners choose Finance West Lending

We’re a California-licensed mortgage broker based in Torrance with a focus on Orange County buyers and investors. We work with multiple lenders to find competitive rates and flexible programs — FHA, VA, Conventional, Jumbo, and Non-QM — and we guide you from pre-approval through closing so you don’t waste time or money.

Current rates – Average 30 year fixed rates – October 2025

Ready To Get Started?

Finance West Lending Inc
(866)600-9011
LoanOfficer@FiWest.com

Our Testimonials

What our clients say

We have served our clients for 20 years and and always strive to deliver the best possible service with great mortgage rates

Incredibly knowledgeable, approachable and responsive.

Joshua Schwartz

Client & Commercial Realtor

Best mortgage broker ever !

Monique Balta

Repeat Client

I always encourage everyone to get more than one mortgage quote. However, I guarantee Stephan will match if not beat the other offer. I have no idea how he does it, but he always does.

Mark Whitney

Repeat Client

"Outstanding firm! The level of professionalism and knowledge Finance West offers their clients is simply the best. A company who truly understands and is committed to provide the best service to the client."

M. Garcia

Client

Above and beyond. We had a very complex 1031 exchange and multiple mortgages with multiple entities. Stephan and his team worked tirelessly to ensure we closed on our properties. Professionality and excellence personified. We will be coming back for all our financing needs in the future.

Elena Tuttle

Client

Stephan is the best lender hands down. He is very intelligent and cares about every transaction big or small. He has done several loans for me and my clients and I am confidant and happy to refer him to all my clients.

Feven Belay

Client & Realtor

Looking for mortgages outside of the Central Valley? Explore Los Angeles Programs, Orange County, South Bay, and the Other Areas we serve.