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Clovis runs its own school district and its own downtown, and buyers pay a measurable premium over Fresno addresses a mile away for both.
Explore mortgage options in Clovis, Fresno County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Old Town and the north side, tracked apart
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Antique shops and restaurants fill the blocks around the rodeo grounds and the old rail line.
An established neighborhood built around a park and a school, the kind families stay in.
Newer houses climb the northeast edge with the Sierra visible on clear mornings.
One of the master-planned developments on the north side, still filling in.
A golf-adjacent development that sits at the top of the local market.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
In Clovis, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Clovis sits in Fresno County, part of the Central Valley's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Clovis borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Clovis borrowers frequently compare options against nearby communities such as Coalinga, Firebaugh, Fowler.
Updated 9/27/2026
Fresno Ca Clovis is updated daily with practical mortgage guidance for this page.