Clovis, CA
Your Clovis mortgage, done right.
Your Clovis budget picks the program — FHA, first-time-buyer, conventional — and we handle the Clovis lender legwork, whether you're eyeing Old Town Clovis or beyond.
Is there a mortgage broker serving Clovis, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and Clovis is in our service area. Owner Esther Buede handles each Clovis loan herself and compares many lenders for it, so a Clovis buyer is not limited to one bank's programs.
For Clovis, FHFA's 2026 one-unit limit is $832,750 (Fresno County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Inside the Clovis mortgage market.
Clovis is the premium residential tier of the Fresno metro, drawing buyers who work in Fresno’s healthcare, agriculture, and government sectors but prioritize the highly-rated Clovis Unified School District; its Sierra foothill setting adds recreational access other Central Valley cities can’t replicate.
That Clovis market shapes the loan. For Clovis, 2026 conforming tops out at Fresno County’s $832,750 baseline on one-unit Clovis homes. That $832,750 ceiling covers most Clovis price points — conventional, FHA, down-payment-assistance all stay on the Clovis table. Clovis’s price tier is solidly middle-of-market. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 26, 2026.
Roughly 99,000-plus people call Clovis home, spread from Old Town Clovis to Quail Lakes, with Fresno and Madera minutes away. Clovis isn’t an abstraction to us — we know it down to Old Town Clovis. Whether the address is in Old Town Clovis, Loma Vista, Deauville, and Quail Lakes or another Clovis pocket entirely, the financing follows. A Clovis broker without the drive: we handle Clovis loans by phone and online, and the Clovis market knowledge travels with us.
The broker difference, Clovis edition.
Clovis market knowledge
We work Clovis street by street — Old Town Clovis, Loma Vista, Deauville and beyond — matching each neighborhood's prices to programs that fit.
First-time & assistance
Clovis buyers often start with FHA, first-time-buyer, conventional — we match Clovis files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
As a broker we put many lenders in competition for your Clovis file — not one bank's Clovis shelf.
Owner-handled
In Clovis you get the owner, Esther Buede, personally — no queue for Clovis files, and the Clovis attention shows in our reviews.
One owner, handling your whole loan.
Your Clovis loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole Clovis loan — from Loma Vista across the Clovis map. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Matched to your Clovis purchase, not a template.
Near Old Town Clovis, FHA files are a Clovis staple for us. The Clovis playbook usually starts with FHA, first-time-buyer, conventional — then we shop whatever your Clovis file calls for: FHA, conventional, jumbo, VA, and non-QM. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — apply here or call (949) 522-7310.
The programs that come up most for Clovis buyers: conventional, FHA, first-time-buyer, down-payment-assistance.
Short on the down payment for a Clovis home? Here’s what assistance is genuinely available — statewide CalHFA help covers Clovis.
Not every Clovis file fits a W-2 box — 1099 and business-owner borrowers can qualify on bank-statement income. Want every unit count, not just single-family? Fresno County’s 2026 loan limits page has the full table.
Close to Clovis, we also help buyers in Fresno, Madera, Hanford. See all California cities we serve →
NMLS #2629064 · CA DRE #01822046 — Choice Home Mortgage, a licensed California mortgage broker serving Clovis. Equal Housing Opportunity.
What Clovis buyers ask us first.
How high can a conforming loan go in Clovis?
The 2026 conforming loan limit for a one-unit home in Clovis is $832,750, the figure FHFA set for Fresno County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Fresno County have a $1,066,250 conforming limit for 2026.
How do first-time buyers usually finance a Clovis home?
First-time buyers in Clovis usually finance with conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Fresno County is $541,287. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which Clovis neighborhoods do you serve?
We finance homes in every Clovis neighborhood, including Old Town Clovis, Loma Vista, Deauville and Quail Lakes. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. An Old Town Clovis address and a Quail Lakes address get the same lender shopping from us.
Is Choice Home Mortgage local to Clovis?
Choice Home Mortgage works out of Fountain Valley, roughly 236 miles from Clovis, and serves it remotely. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Applications, documents and updates for Old Town Clovis or Quail Lakes homes all move by phone and online.
Do you serve areas near Clovis?
Yes. Besides Clovis, we also arrange loans in Fresno, Madera and Hanford. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a Clovis file.
Your Clovis keys are the goal.
One call with the owner — local, honest, no pressure. We'll match the program to your Clovis purchase and shop lenders for your Clovis file.