NMHL Mortgage Lending
Mortgage Lender in Fresno, CA
Local expertise and competitive rates for Fresno homebuyers.
Fresno Housing Market Overview
Explore mortgage options in Fresno, CA with NMHL. Our local expertise helps you navigate the Fresno real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
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 Fresno
Explore mortgage options tailored to Fresno 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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Fresno's Housing Market: Trends and Insights
Fresno's housing market is characterized by steady growth, driven by the city's strong economy and diverse job market. The median home price is around $340,000, with homes in desirable neighborhoods like the Tower District and Woodward Park commanding higher prices. NMHL's local expertise helps borrowers navigate this complex market and find the best mortgage options for their needs.
The city's population growth and new business developments are also contributing to increased demand for housing. As a result, we're seeing a rise in new construction projects, particularly in the downtown area and surrounding suburbs.
Stay ahead of the competition with NMHL's pre-approval process, which can be completed in as little as 24 hours.
Mortgage Options for Fresno Borrowers
At NMHL, we offer a range of mortgage options tailored to Fresno borrowers' needs. Our programs include conventional loans, FHA loans, VA loans, and USDA loans, as well as specialized options for self-employed individuals and those with bad credit.
- FHA loans with down payments as low as 3.5%
- VA loans with $0 down payment for eligible veterans
- USDA loans for rural areas with $0 down payment
- Conventional loans with competitive rates and terms
Our mortgage experts will work with you to determine the best loan program for your situation and guide you through the application process.
Get pre-approved today and take the first step towards homeownership in Fresno.
Down Payment Assistance Programs in Fresno
Fresno borrowers can take advantage of various down payment assistance programs to help achieve their homeownership goals. California's CalPLUS Conventional Loan Program provides up to 4% forgivable grant assistance, while the California Down Payment Assistance Program offers up to 3.5% deferred-payment junior loan.
NMHL's mortgage experts can help you navigate these programs and determine the best option for your situation. We also offer our own Down Payment Assistance Program, which provides up to 4% grant assistance for qualified borrowers.
Don't let down payment requirements hold you back – explore your options with NMHL today.
Fresno Neighborhoods: A Guide to the City's Most Desirable Areas
Fresno has a diverse range of neighborhoods, each with its unique character and advantages. From the vibrant arts scene in the Tower District to the family-friendly atmosphere of Woodward Park, there's a neighborhood to suit every lifestyle.
- The Tower District: Known for its arts scene and historic architecture
- Downtown Fresno: Central location with new developments and amenities
- Fig Garden: Upscale neighborhood with large homes and mature trees
- Bullard: Family-friendly area with good schools and community parks
NMHL's local expertise can help you find the best mortgage options for your chosen neighborhood.
Find your dream home in Fresno with NMHL's guidance and expertise.
Frequently Asked Questions
Mortgage rates in Fresno vary depending on the loan program and borrower profile. At NMHL, we offer competitive rates starting at 6.5% APR for conventional loans, with options for FHA, VA, and USDA loans as well. Contact us for a personalized rate quote and to discuss your mortgage options.
NMHL offers a range of mortgage options for first-time homebuyers in Fresno, including FHA loans with down payments as low as 3.5% and California's CalPLUS Conventional Loan Program, which provides up to 4% forgivable grant assistance. We also offer specialized programs for borrowers with bad credit or self-employed individuals. Contact us to learn more about our first-time homebuyer programs and to get pre-approved.
Property taxes in Fresno are based on the purchase price of the home, with an average effective tax rate of 0.72%. California's Proposition 13 limits annual increases to 2% unless there's a change in ownership or significant renovations. As a homeowner in Fresno, you'll also want to factor in additional fees for services like garbage collection and local assessments.
Fresno has a range of desirable neighborhoods, including the Tower District, known for its vibrant arts scene, and the historic Woodward Park area. Other popular neighborhoods include Downtown Fresno, Fig Garden, and Bullard. Each area has its unique character and advantages, and NMHL can help you find the best mortgage options for your chosen neighborhood.
School districts play a significant role in determining home values in Fresno. The Fresno Unified School District serves much of the city, with highly-rated schools like Roosevelt High School and Hoover Elementary. Homes located within top-performing school districts tend to command higher prices and appreciate faster over time. When buying a home in Fresno, it's essential to consider the local school district and its impact on property values.
Yes, NMHL offers mortgage options for borrowers with bad credit in Fresno. Our Bad Credit Mortgage Program considers alternative credit scoring models and provides more lenient credit requirements. With a minimum credit score of 580, you may qualify for an FHA loan, while our proprietary credit scoring model can approve borrowers with credit scores as low as 500 in some cases. Contact us to discuss your options and get pre-approved.
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Let NMHL help you navigate the Fresno housing market with expert guidance and competitive rates.