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Chowchilla sits on Highway 99 in almond and dairy country, and two state prisons at the edge of town account for a large share of the local paychecks.
Explore mortgage options in Chowchilla, Madera 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.
Highway 99 prices, tracked as they move
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
State pay qualifies cleanly and prices here are low. Let us show you what you can carry.
The old commercial blocks hold the civic buildings and the closest housing to them.
The northern side sits nearest the prisons and the newer subdivisions.
The southern streets run toward the fairgrounds and the open farmland.
The main road through town carries the shopping and the traffic.
The blocks around the fairgrounds, busiest during the spring events.
* 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.
Buying a home in Chowchilla starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Madera County anchors this corner of the Central Valley's housing market, and Chowchilla reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Chowchilla span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Chowchilla borrowers frequently compare options against nearby communities such as Madera.
Updated 9/27/2026
Madera Ca Chowchilla is updated daily with practical mortgage guidance for this page.