Fresno, Bakersfield & Central California
Central Valley Mortgage Broker
Patron Mortgage serves homebuyers and homeowners throughout California's Central Valley — from Fresno and Bakersfield to Stockton and Modesto. Available 7 days a week.
Central California
Mortgage Loans in California's Central Valley
The Central Valley offers some of California's most affordable housing markets, making it an excellent opportunity for first-time buyers and investors alike. Whether you're purchasing your first home in Fresno, refinancing in Bakersfield, or investing in rental properties in Stockton, Patron Mortgage has the loan programs to help.
We specialize in FHA loans for first-time buyers, ITIN loans for borrowers without a Social Security Number, and DSCR loans for real estate investors. Our senior loan officer Randall Ortiz is available 7 days a week to walk you through your options.
As a mortgage broker, we work with multiple lenders — so you get competitive rates and more options than you'd find at a single bank.
Why Central Valley Borrowers Choose Us
- FHA specialists for Central Valley first-time buyers
- ITIN loans for non-SSN borrowers throughout the Valley
- DSCR loans for real estate investors
- Available 7 days a week, including evenings & weekends
- Free consultations with no obligation
- NMLS licensed — transparent and trustworthy
What We Offer
Loan Programs in the Central Valley
FHA Loans
Low down payment options starting at 3.5% — ideal for Central Valley first-time buyers.
Conventional Loans
Competitive rates and flexible terms for Central Valley buyers with strong credit.
VA Loans
Zero down payment financing for eligible veterans and active-duty military in the Central Valley.
ITIN Loans
Home purchase and refinance programs for Central Valley borrowers with an ITIN instead of an SSN.
DSCR Loans
Debt service coverage ratio loans for Central Valley real estate investors.
Hard Money Loans
Fast approvals for Central Valley real estate investors and fix-and-flip projects.
Cash-Out Refinance
Access your Central Valley home's equity for renovations, debt payoff, or other goals.
HELOC
Flexible home equity line of credit for Central Valley homeowners.
Service Area
Cities We Serve in the Central Valley
Patron Mortgage serves homebuyers and homeowners throughout California's Central Valley, including:
Common Questions
Central Valley Mortgage FAQs
Ready to Get Started in the Central Valley?
Call us, email us, or request a free quote online. We're available 7 days a week — no obligation, no pressure.