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Lock in Your Future

From our tireless work ethic to incredible knowledge spanning decades, you'll find the best experience here. 
Schedule an appointment today. 


An incredible experience, eMortgagelock

At eMortgageLock, we understand that applying for a loan can be stressful and daunting. We have decades of experience in the lending industry, and have closed thousands of loans. Our team of seasoned professionals are dedicated and have unmatched perseverance. We also provide a great work environment, and offer real time quotes so you can stay informed. With us, you can be sure you’re making the right decision.

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Mortgage Lender in Bakersfield

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home purchase

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork


Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan As rate is updated in real time from lenders, your refinance plan will just get better.

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A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

Refinance Cash Out


Our Commercial Real Estate Loan services give businesses access to the capital needed to purchase, refinance, or renovate commercial properties.

Commercial Real Estate

Loan Programs

An FHA loan is a government-backed mortgage program aimed at assisting first-time homebuyers and individuals with lower credit scores or limited down payment funds. It offers lower down payment requirements, more flexible credit criteria, and mortgage insurance premiums to protect lenders. On the other hand, a commercial loan is designed for businesses and provides financing for various commercial purposes, such as property acquisition, expansion, and working capital. Collateral, creditworthiness, and business plans play significant roles in obtaining commercial loans. In contrast, conventional loans are not government-backed and cater to borrowers with stronger credit profiles. They typically require higher down payments and adhere to stricter eligibility criteria. Conventional loans offer various loan terms, fixed or adjustable interest rates, and can be used for home purchases or refinancing.

Contact Us


4600 American Ave, Bakersfield, CA 93309

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(818) 687-3826

Opening Hours

Mon - Fri

9:00 am – 6:00 pm


Appointment Only

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