NMHL Mortgage Lending
Mortgage Lender in Clovis, CA
Local expertise and competitive rates for Clovis homebuyers.
Clovis, California, is experiencing a surge in housing demand, with a median home price of $420,000. As a growing community, Clovis offers a diverse range of mortgage options for homebuyers. At National Mortgage Home Loans (NMHL), we understand the unique needs of Clovis borrowers and are committed to providing personalized mortgage solutions. Our extensive experience with FHA, VA, conventional, and jumbo mortgage programs enables us to cater to various financial situations, including those with bad credit or self-employed individuals.
Our mortgage lenders in Clovis are well-versed in the local market, ensuring that our clients receive the best possible guidance throughout the home buying process. Whether you're a first-time homebuyer or an experienced homeowner, NMHL's Clovis home loans are designed to meet your needs. With competitive mortgage rates and a range of down payment assistance programs available, we can help you achieve your dream of homeownership in Clovis.
As a trusted mortgage lender in Clovis, CA, NMHL is dedicated to helping you navigate the complexities of the mortgage process. Our team is committed to providing exceptional customer service, ensuring that you receive a smooth and stress-free experience. Get in touch with us today to explore your mortgage options and take the first step towards owning your home in Clovis.
Clovis Housing Market Overview
Clovis is a growing community in California offering diverse mortgage options for homebuyers. Contact NMHL for personalized Clovis mortgage rates and programs.
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Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Clovis
Explore mortgage options tailored to Clovis homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Clovis's Housing Market
The Clovis housing market is characterized by a mix of older and newer homes, with a median home price of $420,000. The city's proximity to Fresno and the Sierra Nevada mountains makes it an attractive location for families and outdoor enthusiasts. Our mortgage experts can provide insights into current market trends and help you navigate the home buying process.
- Median home price: $420,000
- Average days on market: 30-60 days
- Most popular home types: single-family homes, townhomes
Stay ahead of the competition by getting pre-approved for your Clovis mortgage today.
Exploring Clovis Neighborhoods
Clovis is comprised of several unique neighborhoods, each with its own character and charm. Some of the most popular neighborhoods include Clovis Downs, Herndon Gardens, and Sierra Vista. When choosing a neighborhood, consider factors such as commute time, schools, and local amenities. Our mortgage lenders can help you understand how different neighborhoods impact your mortgage options.
Some neighborhoods to consider:
- Clovis Downs: Known for its family-friendly atmosphere and community events.
- Herndon Gardens: Offers a mix of older and newer homes, with easy access to local parks.
- Sierra Vista: Features newer homes and a suburban feel, with proximity to Clovis's commercial areas.
Find your dream home in Clovis by exploring our range of mortgage options.
Mortgage Options for Clovis Homebuyers
At NMHL, we offer a range of mortgage programs designed to meet the needs of Clovis homebuyers. Our FHA, VA, conventional, and jumbo mortgage programs provide competitive rates and flexible terms. Whether you're a first-time homebuyer or an experienced homeowner, we can help you find the best mortgage solution for your situation.
Some of our popular mortgage programs include:
- FHA loans: Ideal for first-time homebuyers or those with lower credit scores.
- VA loans: Available to eligible veterans, offering favorable terms and lower rates.
- Conventional loans: Suitable for borrowers with good credit and a stable income.
Discover the benefits of working with NMHL for your Clovis mortgage.
Down Payment Assistance Programs in Clovis
Clovis homebuyers can take advantage of various down payment assistance programs to help with the upfront costs of purchasing a home. These programs can provide deferred-payment junior loans or matching funds to help with down payment and closing costs. Our mortgage experts can help you explore these options and determine the best program for your needs.
Some available programs include:
- CalPLUS Conventional Loan Program: Offers a deferred-payment junior loan to help with down payment and closing costs.
- CalHFA Conventional Loan Program: Provides a below-market interest rate and assistance with down payment and closing costs.
Don't let down payment costs hold you back – explore our down payment assistance options today.
Frequently Asked Questions
Clovis is home to several desirable neighborhoods, including Clovis Downs, Herndon Gardens, and Sierra Vista. Each neighborhood offers a unique character and charm, with varying home prices and amenities. Our mortgage experts can help you find the best mortgage options for your chosen neighborhood.
Property taxes in Clovis average approximately 0.80% of assessed value, which is relatively moderate compared to other California cities. This translates to manageable monthly costs when factored into your mortgage payment. Our loan officers can help you understand how property taxes impact your overall housing costs.
At NMHL, we specialize in serving underserved borrowers, including those with bad credit, self-employed individuals, and veterans. Our extensive range of mortgage programs, including FHA, VA, and conventional loans, ensures that we can find the best fit for your financial situation. Our experienced loan officers will guide you through the pre-approval process, making it easier to achieve your homeownership goals.
Yes, Clovis homebuyers can take advantage of various down payment assistance programs, including California's CalPLUS Conventional Loan Program and the CalHFA Conventional Loan Program. These programs offer deferred-payment junior loans to help with down payment and closing costs. Our mortgage experts can help you explore these options and determine the best program for your needs.
Clovis is served by the Clovis Unified School District, which is highly rated and has a significant impact on local home values. Homes located within highly-rated school districts tend to retain their value and appreciate over time. Our mortgage lenders can provide guidance on how school districts affect home prices in Clovis.
Getting pre-approved for a mortgage with NMHL is a straightforward process. Simply contact one of our loan officers, and they will guide you through the application process, which typically involves a credit check, income verification, and other financial documentation. Once pre-approved, you'll receive a pre-approval letter stating the approved loan amount, which you can use to make an offer on a home in Clovis.
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Ready to Buy in Clovis?
Let NMHL help you navigate the Clovis housing market with expert guidance and competitive rates.