Mortgage broker serving Clovis, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Clovis buyers, we match your unique situation to the right program.
In Clovis's market, the right loan program can save thousands over the life of your mortgage.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Clovis purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Clovis home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Clovis starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Clovis home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Clovis property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Clovis homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | Any buyer - grant covers FHA or Conventional down payment, forgiven after 6 payments |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA is the go-to for Clovis buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Clovis. VA loans are the best deal for eligible veterans.
Nearly all Clovis homes qualify for conforming loans. Best rates available for qualified buyers.
Clovis buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Clovis buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Clovis areas. Check rural designation by address.
Bridge loans available for Clovis transitions. Finance new purchase before selling.
Entity purchase programs for Clovis. LLC financing for investment properties.
Clovis FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Clovis refinances qualify as conforming. Competitive rates with quick approval.
Clovis veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Clovis homeowners with equity. Access funds for any purpose.
Clovis owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Clovis homeowners. Lump sum with fixed monthly payments.
Clovis rental properties qualify with DSCR. No personal income verification needed.
Clovis renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Clovis commercial. Fast financing for competitive markets.
Apartment financing in Clovis. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Clovis buyers with qualifying income.
Clovis buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Clovis. City programs plus CalHFA can cover most down payment.
Grant programs for Clovis first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Clovis areas. Check rural designation by address.
Gift of equity for Clovis family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Clovis buyers qualify. Add parent income to yours.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Clovis sits in the Central Valley just northeast of Fresno, population 120,607, median household income $98,554. The homeownership rate is 66.5%, and at $515K median home price, you're looking at one of the best combinations of strong schools, solid incomes, and manageable mortgage payments in the Central Valley. A household pulling in that $98K median can actually qualify for a conventional loan on a typical home here without stretching into jumbo territory or draining their savings on a down payment.
Here's the thing about Clovis: the schools are the main reason people stretch their budget to buy here instead of cheaper spots in Fresno. Clovis North High pulls a 9 rating, Clovis High an 8, Sierra Vista Elementary an 8. Those aren't just numbers, they translate to real resale value when you go to sell in five or ten years. The Clovis Unified School District has a reputation that reaches across the entire Central Valley, which means buyers will compete for homes in these boundaries. You'll pay more upfront, but you're buying into a district that protects your property value better than almost anywhere else in Fresno County.
Where you buy in Clovis determines what loan structure makes sense and what you're really paying for. Woodward Park runs $550K-$750K, centered around the regional park with well-maintained homes that attract families willing to go conventional or low-down conventional to get into top school zones. Old Town Clovis offers the historic core at $450K-$650K, walkable downtown with vintage homes, and it's the entry point for buyers who want the Clovis Unified schools without hitting $600K. Sierra Sky Park is the wild card at $600K-$900K, a residential airpark where you can taxi your plane to your hangar, definitely jumbo loan territory for aviation enthusiasts with specific lifestyle priorities. Loma Vista sits at $480K-$620K with mature trees and solid builds from various decades, popular with families who want value without sacrificing the school district. Most buyers in Loma Vista and Old Town can stay under conforming loan limits, while Woodward Park and Sierra Sky Park push you toward jumbo financing.
You're 14 minutes from downtown Fresno, which is why Clovis works as both a bedroom community and a place with its own job base. That short commute means you can work in Fresno's bigger employers while living in better school boundaries and safer neighborhoods. Bakersfield is 112 minutes south, Stockton 127 minutes north, but real talk, most Clovis buyers aren't making those drives daily. The Central Valley geography keeps you somewhat isolated from the coast, but that isolation is exactly why a $515K median exists instead of the $800K you'd pay for comparable schools closer to the Bay Area.
Clovis Unified School District is the biggest employer, which tells you everything about what drives this city. Clovis Community Medical Center, Saint Agnes Medical Center, and Kaiser Permanente provide healthcare jobs with solid benefits that help buyers qualify for mortgages. Pelco manufactures security cameras here and brings manufacturing wages that support homeownership. City of Clovis itself employs a chunk of residents in stable public sector roles. The income mix is what makes Clovis work: enough white-collar and public sector jobs to support that $98K median income, which in turn supports the housing market without the wild speculation you see in coastal California. You've got two-income professional families, educators, healthcare workers, and city employees all competing for homes in a district they trust.
Common questions from Clovis homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Clovis closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Clovis: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Clovis buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Clovis buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Clovis buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Clovis families purchase with minimal upfront cash.
2026 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Clovis properties fall within conforming limits, maximizing your financing options.
For Clovis's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Clovis. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Clovis. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Clovis. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Clovis typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Clovis: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Clovis buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Clovis. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Clovis typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Clovis closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Clovis properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Clovis buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Clovis buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Clovis families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Clovis. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Clovis. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Clovis's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Clovis is $541,000 for 2025. This covers most homes in Clovis, where the median price is around $515,000, making FHA loans an excellent option for first. time buyers and those with smaller down payments.
You won't need a jumbo loan for most Clovis homes. With conforming and VA loan limits at $833,000 and FHA at $541,000, nearly all properties in the typical $450K. $600K range qualify for standard financing with better rates and terms.
For 2025, Fresno County loan limits are $541,000 for FHA loans and $833,000 for conventional and VA loans. These limits are set annually and typically adjust in January, so check back in late 2025 for official 2026 numbers.
Yes, VA loans work excellent in Clovis with a loan limit of $833,000, which covers all typical homes here. Veterans and active military can buy with $0 down, no PMI, and competitive rates, making it one of the best options if you're eligible.
Our No Money Down program offers $0 down payment for qualified buyers, which is perfect for Clovis's affordable market. You can also access CalHFA programs and Fresno County DPA options, and many buyers can stack these programs to cover down payment and closing costs entirely.
You can buy a Clovis home with as little as 3% down on conventional loans or 3.5% with FHA financing. On a $515,000 home, that's around $15,450 to $18,025, though VA loans and our No Money Down program offer $0 down options for those who qualify.
You can qualify for an FHA loan in Clovis with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require 620 or higher, while VA loans are more flexible and focus on your overall financial picture rather than just your score.
Look for a lender experienced with Clovis's market who offers the loan types you need, especially FHA and down payment assistance programs. Compare rates and fees from multiple lenders, read reviews, and choose someone responsive who'll guide you through the process and close on time.
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