Navigating Home Financing with Clarity


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5060 California Ave Suite 1090 Bakersfield, California 93309

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Opening Hours

Mon - Friday: 8AM - 5PM


Let me SHOP THE RATE so you don't have to.


Chasity Young


NMLS 317122 | Cal DRE 01877009

Hi! It's me Chasity a.k.a "Little Lender"

I help people navigate the mortgage process by assessing their needs then diagnosing the perfect plan and loan program.

Before embarking on your exciting journey of finding a dream home, it's crucial to talk to a trusted advisor. Since 2004, I've been helping people achieve homeownership and help many take the step of becoming investors in rental properties. We help unravel the mysteries of money and determine how much you can borrow to make your homeownership dreams come true. We dive into your income, expenses, and credit history to create a road map that leads to your final destination.


We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.

Professional Support

Count on us to be there with you and to help you navigate the entire mortgage process. We'll help you cut through the red tape and avoid the common mistakes people make.

Competitive Rates

We work with you to find the right program and secure competitive market rates to make sure you are paying the lowest payment each month.

Close Your Loan On Time

Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.

Our HERO Home Loan Programs

You’ve served your country - now let us serve you. Our access to military grants, rebates, and discounts can help you get the home of your dreams. Active, reserve, and veteran military service men and women can benefit from our wide range of military benefits.

You do everything you can for your students, working during your lunch break, spending your pin money on supplies, and being there no matter what. We’d like to return the favor. We help educators save on home purchases, sales, and refis through a variety of program options.

Whether you are paid or volunteer, active or retired, our First Responders program is there for you during your home purchase. After all, you’ve always been there for us. A full range of buyer benefits for first responders can help you save thousands.

You give your all each and every day as a healthcare worker. We’ve compiled a comprehensive list of benefits for healthcare workers in the market for a home. From RNs to PAs and MDs, healthcare professionals can benefit from our healthcare home loan providers.

Have you been renting for years, worrying that buying a home will always be out of reach? Owning a home may be more of a reality than you think.

As a government employee, you work to advance the lives of your fellow citizens. We’d like to pay it forward by helping you achieve your dream of owning a home.

You help to empower your fellow citizens by advocating for the rights of the individual worker. The responsibilities that you take on make a major impact on communities and families across the nation. We want to help and give you the best grants and benefits available to you.

Loan Programs

  • Conventional Loan

  • FHA Loan

  • VA Loan

  • USDA Loan

  • Second Mortgages: HELOC & HELOAN

  • Bank Statement Loan

  • P&L Loan

  • DSCR

  • Private Investor/Hard Money Loan

  • Down Payment Assistance Program

  • Reverse Mortgage

  • Bridge Loan

  • Manufactured Loan (Chattel Loan)

  • Commercial Loan and many more!

Get your FREE copy of my mortgage cheat sheet and checklist

How to qualify for a mortgage without the hassle, headaches, or haggling!

Get Your Guide & Checklist Now

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Unless you're living rent free, you're paying a mortgage. It might as well be your own, right? BE A HOMEOWNER. START NOW!

What Our Clients Say

Highly recommend to first home time buyers or if you are interested in refinancing! This office does it all. From the easy to use web portal to submit documents to a friendly and knowledgeable staff to consistent communication that provides up-to-date status check ins, we have simply had the absolute best experiences working with Clarity Home Loans. This is now our third time working with Chasity and we have so much respect and trust in what they do; they listen to their clients and are always searching for the best possible outcome for them. Without a doubt, Chasity and her team at Clarity Home Loans are simply the best at what they do!

Jorge Moraga

First Time Homebuyer

One of the best experience we had. As home buying is always a stressful process but Chasity make a breeze for us from beginning till end. Thank you Chasity for all your help and support.

Irfan Ali

First Time Investor

Visit our Location

5060 California Ave Suite 1090 Bakersfield, Califoronia 93309

Give us a Call



Send us a Message

About Us

A Division of Tyky | Equal Housing Lender NMLS #1048641 Licensed by the Department of Real Estate under the California Residential Mortgage Lending Act. The information in this email is for the intended recipient and should not be read by or distributed to anyone else. If you are not the intended recipient, please notify me via return email or call 661-322-5626, delete this email, and destroy any hard copies

Our Services


Credit Repair Advice



Realtor Referral

Opening Hours

Monday - 08:00-17:00

Tuesday - 08:00-17:00

Wednesday - 08:00-17:00

Thursday - 08:00-17:00

Friday - 08:00-17:00

Saturday & Sunday - CLOSED

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