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McFarland is a farm town of about fourteen thousand on Highway 99, better known nationally for its high school cross-country team than for anything it grows.
Explore mortgage options in McFarland, Kern County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Highway 99 prices at the low end
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
McFarland is one of the easiest places in the county to get into. Let us run your numbers.
The town center holds the civic buildings and the streets around them.
Almond and grape ground surrounds the town on every side.
The highway frontage carries the commercial buildings and the through traffic.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Homebuyers in McFarland weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Kern County in the Central Valley, McFarland moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
McFarland buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
McFarland borrowers frequently compare options against nearby communities such as Arvin, Bakersfield, California City.
Updated 9/8/2026
Kern Ca Mcfarland is updated daily with practical mortgage guidance for this page.