Clovis, California · Fresno County County
Buying or Refinancing in Clovis? Start Here.
From W-2 employees to self-employed founders, Clovis borrowers come to us for mortgage options the big California lenders skip past.
124,725
Population
$420,700
Median home value
$98,554
Median household income
$1,482/mo
Median rent
Based on US Census ACS 2022 5-year estimates.
Home values in Clovis hover near $420,700 according to the most recent ACS release, and that single number drives a lot of downstream choices: jumbo vs. conforming, FHA county limits, down-payment strategy, and reserve requirements. New Avenue Realty & Loans translates those tradeoffs into one number: your monthly payment. We're an independent California broker working with Clovis buyers, owners, and investors — call (323) 694-5476 and we'll run the actual scenario.
Income in Clovis averages roughly $98,554 per household per recent ACS data, and that number rarely tells the whole story for the borrowers we work with. Self-employed owners report less. Some families have multiple earners. Others have rental income, K-1s, or RSU vesting schedules. With about 124,725 residents and Central Valley pricing, Clovis files come in every shape, and the loan we recommend reflects how your income is actually documented.
Clovis renters paying around $1,482/month — per recent ACS estimates — often discover that homeownership is closer than they thought, especially with FHA's 3.5% down option or 3%-down conventional. New Avenue Realty & Loans runs the side-by-side math on rent versus a real PITI payment, then maps it to the loan programs you actually qualify for. Call (323) 694-5476 and you'll get a real scenario, not a marketing script — and we tell you upfront if buying right now doesn't pencil.
Local context
About Clovis
Clovis sits adjacent to Fresno in the Central Valley and has a distinct identity built on its Old Town district, rodeo heritage (the Clovis Rodeo is a long-running annual event), and the Clovis Unified School District, which is widely cited for academic performance. The economy is closely tied to greater Fresno's agriculture, healthcare, and education sectors.
Housing is predominantly suburban single-family, with master-planned growth in northeast Clovis and older neighborhoods near Old Town.
Highlights
- Adjacent to Fresno in the Central Valley
- Historic Old Town Clovis district
- Clovis Rodeo annual heritage event
- Clovis Unified is a noted school district
- Predominantly suburban single-family housing
Loan programs
Mortgage options for Clovis
We match Clovis buyers and homeowners with the right program — not the other way around.
Conventional Loans
Solid credit, straightforward path.
FHA Loans
First home? Lower barrier to entry.
VOE Loans
Qualify with just your employment letter.
P&L Loans
Your profit and loss statement is your paycheck.
Non-QM Loans
Bank statements, DSCR, asset depletion — flexible approval.
No commitment. No hard credit pull.
Common questions
Clovis mortgage FAQs
Can I refinance my Clovis home with New Avenue?
Yes. We handle rate-and-term, cash-out, and debt-consolidation refinances for Clovis homeowners. Whether you want to lower your payment, pull equity for renovations, or move out of FHA into conventional, we run the math. If a refi doesn't save you money, we'll say so.
What does the typical home in Clovis cost?
As of the most recent ACS estimates, the median home value in Clovis is approximately $420,700. Loan size is one of many factors that shapes which program fits — down payment, occupancy, credit profile, and income documentation all move the recommendation. We run the scenario against your actual numbers rather than the city average.
Do you offer mortgage loans in Clovis?
Yes. New Avenue Realty & Loans is a licensed California mortgage broker, and Clovis is part of our service area. We finance purchases, refinances, cash-out, and investment-property loans. Call (323) 694-5476 and we can usually outline a program the same day.
What loan programs are available for Clovis homebuyers?
Clovis buyers can access 80+ programs through our lender panel: conventional from 3% down, FHA at 3.5% down, VA, jumbo, bank-statement, P&L-only, VOE, and non-QM. We match the program to your numbers rather than pushing one product at every borrower.
Can self-employed borrowers in Clovis qualify for a mortgage?
Yes. Self-employed borrowers are a specialty for us in Clovis. If tax returns understate your real income, we can often qualify you with 12 or 24 months of bank statements, a CPA-prepared P&L, or a written verification of employment instead.
Get started
Let’s talk about Clovis
Share a few details and we will call you back to discuss the best path forward. No obligation, no hard credit pull.
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One call can change everything
Whether you were denied by another lender or just getting started in Clovis, we are here to help you move forward.