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Taft sits in the middle of one of the largest oil fields in the country, and the price of crude has moved this town's economy for more than a century.
Explore mortgage options in Taft, 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.
West-side prices, tracked as they move
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Cyclical income needs a lender who reads the two-year history properly. That is ordinary work for us.
The historic core holds the oil museum, the older commercial blocks and the closest housing.
Pumpjacks work the hills immediately outside the town limits.
The streets near the college carry newer housing and a small rental market.
* 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.
In Taft, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Taft sits in Kern County, part of the Central Valley's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Taft borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Taft borrowers frequently compare options against nearby communities such as Arvin, Bakersfield, California City.
Updated 9/27/2026
Kern Ca Taft is updated daily with practical mortgage guidance for this page.