Fresno, California
Mortgage Lender

We’ve financed homes across Fresno and Clovis for years, from Tower District bungalows to newer builds on the north side, so we’re familiar with how properties here appraise and where the tax rate areas shift. When your offer lands on a listing agent’s desk, we call them and walk them through your pre-approval. Here’s how our pre-approval process works.

It varies by loan program. Conventional starts at 3% down for first-time buyers, FHA at 3.5%, and VA at zero for eligible veterans. Because Fresno prices sit well below the state median, most buyers here qualify comfortably on conventional or FHA rather than stretching. Our Fresno affordability guide runs the numbers for this market.

$832,750 for a single-family home in 2026. Anything above that is a jumbo loan. Most Fresno homes sell for a fraction of that limit, so buyers here almost always stay in standard conforming territory, which is where the best conventional pricing sits. Our California loan limits guide covers the rest of the state.

Fresno County’s combined rate runs roughly 1.1% to 1.25% of assessed value once voter-approved bonds are added to the 1% base. Newer developments, especially toward Clovis, sit at the top of that range and some carry Mello-Roos. That difference shows up in your monthly payment and in what you qualify for. Our Fresno County property tax guide breaks it down.

Yes. A lot of income in this county doesn’t show up cleanly on a tax return, so we look at bank deposits instead. It’s a Non-QM loan, meaning it sits outside standard agency guidelines, and the pricing and paperwork differ from a conventional loan. Here’s how bank statement financing works.

Yes. CalHFA runs statewide programs, MyHome Assistance among them, that help cover the down payment and closing costs and layer behind a conventional or FHA first mortgage. Eligibility turns on income and purchase price caps, and Fresno prices leave more headroom under those caps than most of California. Here’s how MyHome works.

Check the street address rather than the city. Part of northeast Fresno feeds Clovis Unified instead of Fresno Unified, and the boundary cuts through neighborhoods, so two houses a few streets apart can zone differently. School zoning affects home values here, so confirm it before you get attached to a listing. Our Fresno schools guide maps it out.

Often, yes. Our No PMI Mortgage removes monthly mortgage insurance for buyers in eligible census tracts, and a good share of Fresno falls inside them. It comes straight off your payment, so it’s worth checking the address before you write an offer. See the census tract maps.