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Clovis, CA

The Best Mortgage Lenders in Clovis, CA

Compare verified mortgage lenders serving Clovis, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
672+
Reviews
9
Loan Types

Available Loan Programs in Clovis

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Reverse Mortgage

Featured Mortgage Lenders

1

Central Valley Community Bank

Central Valley Community Bank

★★★★☆
4.8/5

Central Valley Community Bank stands out as a premier local mortgage lender with deep roots in the Clovis community. As a community bank founded and headquartered in the Central Valley, they offer personalized service and local decision-making that national lenders can't match. Their mortgage team has extensive experience with Central Valley real estate markets and offers competitive rates on a wide variety of loan products. Customers consistently praise their responsive communication, streamlined application process, and commitment to finding the right mortgage solution for each borrower's unique situation.

Experience:45 years
Reviews:89 customer reviews
710 Shaw Avenue, Clovis, CA 93612

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Golden 1 Credit Union

Golden 1 Credit Union

★★★★☆
4.7/5

Golden 1 Credit Union is California's largest credit union and maintains a strong presence in Clovis with competitive mortgage rates and exceptional member service. As a not-for-profit financial cooperative, they often offer lower fees and more favorable terms than traditional banks. Their mortgage specialists provide comprehensive guidance through the entire home buying process, with particular expertise in first-time homebuyer programs and government-backed loans. Members consistently report smooth closing processes, transparent communication, and significant cost savings compared to other lenders.

Experience:88 years
Reviews:427 customer reviews
770 Shaw Avenue, Clovis, CA 93612

Loan Types:

ConventionalFHAVAUSDAJumboFirst-time HomebuyerRefinance
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3

The Mortgage Company

The Mortgage Company

★★★★☆
4.9/5

The Mortgage Company is a highly-rated regional mortgage broker serving Clovis and the greater Fresno area with exceptional expertise and customer service. As an independent mortgage broker, they have access to multiple lenders and can shop for the best rates and terms on behalf of their clients. Their team of experienced loan officers specializes in complex scenarios and hard-to-place loans while maintaining competitive pricing. Customers consistently highlight their creative problem-solving abilities, thorough explanations throughout the process, and ability to close loans quickly and efficiently.

Experience:28 years
Reviews:156 customer reviews
6780 North Palm Avenue, Fresno, CA 93704

Loan Types:

ConventionalFHAVAUSDAJumboReverse MortgageConstructionRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Clovis, CA

What are the current mortgage rates like in Clovis, CA compared to the national average?

Mortgage rates in Clovis typically align closely with national averages but can be slightly influenced by California's high-cost housing market. Currently, rates in Clovis are competitive, though borrowers should expect potential adjustments based on loan type and local lender competition. It's wise to compare offers from both local credit unions and national lenders for the best rate.

Are there any first-time homebuyer programs specific to Clovis that can help with down payments?

Yes, Clovis homebuyers can access the CalHFA Zero Interest Program and the CalHFA MyHome Assistance Program, which offer deferred-payment loans for down payment assistance. These state programs are available to Clovis residents who meet income and purchase price limits, providing crucial support in this competitive market.

How does Clovis's competitive housing market affect the mortgage pre-approval process?

In Clovis's highly competitive market, a strong pre-approval is essential to stand out to sellers. Local lenders recommend getting fully underwritten pre-approvals rather than basic pre-qualifications, as this demonstrates serious buying capability. Many Clovis sellers prioritize offers with local lender pre-approvals who understand the market dynamics.

What special mortgage considerations should I know about buying in Clovis's newer developments versus established neighborhoods?

New construction in Clovis often requires different financing approaches, with builders sometimes offering preferred lender incentives like closing cost credits. Established neighborhoods may have older homes requiring thorough inspections that could affect loan terms. Mello-Roos taxes are more common in newer Clovis developments and can impact your debt-to-income ratio calculations.

Are there any local credit unions or banks in Clovis that offer unique mortgage products?

Yes, local institutions like Educational Employees Credit Union and Valley Strong Credit Union often offer special mortgage programs for Clovis residents, including physician loans, teacher programs, and relationship discounts. These local lenders typically have more flexibility with underwriting and can provide personalized service understanding Clovis's specific market conditions.

Nearby Cities

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Why Choose a Mortgage Lender in Clovis?

Local Market Knowledge

Lenders who understand Clovis's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in California.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Clovis and get competitive rates on your home loan.