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.
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. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
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), closing since 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, or comparing paths — apply here or call (949) 522-7310.
Short on the down payment for a Clovis home? Here’s what assistance is genuinely available — statewide CalHFA help covers Clovis.
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?
In Fresno County, the 2026 single-family limit is $832,750; anything above that in Clovis is jumbo territory. FHFA sets it — we'll verify your Clovis case.
How do first-time buyers usually finance a Clovis home?
Most first-time Clovis buyers start with conventional, FHA, first-time-buyer — and we check which assistance fits your Clovis purchase before you commit.
Which Clovis neighborhoods do you serve?
Every corner of Clovis, from Old Town Clovis, Loma Vista, Deauville, Quail Lakes on out. A Clovis loan prices off your file, not the neighborhood.
Is Choice Home Mortgage local to Clovis?
We do. Choice Home Mortgage is California-licensed (NMLS #2629064) and works Clovis loans regularly — your Clovis file stays owner-handled, phone-and-online, Clovis to closing.
Do you serve areas near Clovis?
Of course: Fresno, Madera, Hanford run the same as Clovis files, with each area's numbers checked separately.
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.