Expertise.com
2024

Last updated:

Best Mortgage Brokers in Clovis

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Clovis Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

36

Reviewed

26

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1702 E Bullard Ave Ste 104, Fresno, CA 93710
  • Reverse Mortgages
  • Refinance

Why choose this provider?

OneRay provides services to clients throughout the Clovis community and the neighboring areas. Its team of mortgage brokers handles the home purchasing needs and financial goals of clients by offering various loan programs, including conforming, jumbo, and super jumbo. It also carries federal government loans, such as FHA, USDA, and VA, for clients wishing to purchase single-family units. The company is available to serve clients applying for specialty programs relating to senior reverse mortgages and lot purchase loans. The company has been operating since 1994.

License Verified:

License: 212593

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Yelp
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
935 G St, Reedley, CA 93654
  • Refinance

Why choose this provider?

Uver Murillo is a home loan specialist with Kings Mortgage who serves individuals and families in Clovis and the rest of the Central Valley. He provides a wide variety of loan programs, including conventional, jumbo, FHA, USDA, and VA loans. He also assists with down payment programs from government organizations or nonprofit agencies. In addition, he and his team help homeowners refinance existing mortgages. Murillo has more than 15 years of experience in the finance industry.

License Verified:

License: 1786735

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1398 W. Herndon Ave., Fresno, CA 93711
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Western Pioneer Financial is a full-spectrum lender delivering tools and strategies to help Clovis homebuyers save time and money. It implements home financing programs such as reverse mortgages, refinancing, HARP, and jumbo, 203K, and USDA loans. To minimize hassles, the company offers online application processes, rate calculators, and custom digital quotes. Its team of professionals has over 35 years of real estate and loan origination experience. Western Pioneer Financial is a member of AIME.

License Verified:

License: 223688

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (51)
Facebook
5.0 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7050 N Fresno St. #210, Fresno, CA 93720
  • New Construction

Why choose this provider?

Kurt Goetz is a mortgage broker in Clovis that offers home purchasing and refinancing solutions for its customers. He assesses its clients' needs to find suitable loan options, including 30-year or 15-year fixed-rate mortgages, reverse mortgages, VA loans, FHA loans, and jumbo loans. It also advises clients on refinancing in order to lower interest rates and monthly mortgage payments, as well as cashing out equity. Kurt Goetz has worked in the mortgage industry for more than 17 years.

License Verified:

License: 244685

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (98)
Google
5.0 / 5 (67)
Facebook
5.0 / 5 (19)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1575 Shaw Avenue Suite 104, Clovis, CA 93611
  • Refinance
  • New Construction

Why choose this provider?

Bobby Campos is a Clovis-based local mortgage lender and a branch manager for Benchmark Mortgage, catering to first-time homebuyers and individuals seeking refinancing on their mortgages. His services cover loan estimates, final approvals, and closing. Campos has been in the residential mortgage lending industry for more than 26 years. The company specializes in providing mortgage solutions for veterans, helping them achieve their homeownership goals through VA loans. One of its initiatives to support the veteran community was to sponsor The 2018 Patriot Tour.

License Verified:

License: 289428

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (8)
Yelp
4.0 / 5 (4)

(+2 additional sources)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
755 North Peach Ave, Clovis, CA 93611
  • Refinance
  • New Construction

Why choose this provider?

MAV Mortgage in Clovis provides home loan services. The firm assists homeowners looking to decrease their interest rate, switch from an adjusted-rate mortgage to a fixed-rate mortgage, or reduce their loan term through refinancing. Its lending programs also include financing for construction, home equity, jumbo, FHA, VA, and reverse loans. To ensure that its services are accessible to people with disabilities, MAV Mortgage makes available UserWay's Accessibility Widget which is powered by a dedicated accessibility server on its website.

License Verified:

License: 1863420

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (89)
Zillow
5.0 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7644 North Palm Avenue, Fresno, CA 93711
  • Multi-Family Loans

Why choose this provider?

Mid Valley Financial has been dealing with clients across Clovis since 1985. It helps them obtain homes through various mortgage programs, including FHA and VA loans. The company also offers HomeReady and Home Possible, solutions from government-sponsored enterprises like Fannie Mae and Freddie Mac. It works with other clients seeking to purchase commercial properties and provides small business loans to help them acquire convenience stores or car washes. It sets up a mobile app that allows users to receive market updates and view educational resources.

License Verified:

License: 219418

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (71)
Zillow
4.9 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1080 W Shaw Ave, Suite 101, Fresno, CA 93711
  • Refinance

Why choose this provider?

Sierra Pacific Fresno is a multistate mortgage lender offering financing solutions to aspiring homeowners in Clovis. Since 1986, it has funded billions of dollars in residential borrowings. It carries purchase and refinance loan products, including conventional, fixed-rate, adjustable-rate, government-insured, and debt consolidation programs. The financial service provider supports struggling homebuyers with bonds and downpayment assistance. Its loan originators recommend mortgage options suitable to clients' needs. Their mobile app, SPM GO, facilitates online loan applications. Retail managers Jeff Merril and Michelle Glass bring decades of mortgage industry experience.

License Verified:

License: 249678

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Website
2520 W Shaw Ln, Suite 106, Fresno, CA 93711
  • New Construction

Why choose this provider?

Xander Mortgage and Real Estate Inc. caters to clients in and around Clovis. Its loan officers help homeowners find specific refinancing programs that fit their needs and goals. They guide them throughout the application and borrowing process, from pre-approval to closing and finalizing the deal. The company works with a variety of lenders or banking institutions to meet clients' financing demands. It also has a team of Realtors that assist clients searching for a new house to purchase.

License Verified:

License: 1825688

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (21)
Google
4.5 / 5 (17)
Zillow
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6440 North Maroa Avenue, Fresno, CA 93704
  • Refinance

Why choose this provider?

Royal Charter Mortgage serves clients in Clovis and the surrounding areas. Its mortgage experts work with borrowers to offer the right loan program that meets their specific needs and requirements. Among the loan programs available are 15- or 30-year fixed-rate mortgages, hybrid ARM, and 2/1 buy-down loans. There are also refinancing programs for homeowners who want to fund their existing loans. In addition, Royal Charter Mortgage provides customers with access to thousands of listings to help them find their ideal homes.

License Verified:

License: 330426

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1522 Shaw Avenue, Clovis, CA 93611
  • New Construction

Why choose this provider?

Universal Lending caters to customers in Clovis and its nearby communities. The company provides a variety of loan options, such as CALHFA DPA, USDA, construction to permanent, conventional, private money, and VA. Its team of loan originators assists clients throughout the loan application process, including evaluating financial blemishes, analyzing debt and assets, and verifying employment and income history. They also have helped customers purchase, refinance, and sell different property types, like vacation homes, primary residences, and investment properties.

License Verified:

License: 225400

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.7 / 5 (19)
Google
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4244 W. Mineral King Ave., Visalia, CA 93291
  • Refinance

Why choose this provider?

Kings Mortgage Services, Inc. is a local company that serves residential clients in Clovis and the surrounding areas. It offers different loan programs for purchasing and refinancing transactions, including FHA, VA, USDA, conventional, and jumbo. Its team conducts the mortgage process through in-house processing and underwriting. Kings Mortgage Services also provides investor programs for borrowers seeking to finance rental properties. Its senior loan officer, Nancy Mota Castillo, has been in the industry for over 30 years and is bilingual in English and Spanish.

License Verified:

License: 264441

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2700 Clovis Ave. Suite 108, Clovis, CA 93612
  • Refinance

Why choose this provider?

Mission Mortgage and Realty serves the residential lending needs of clients in Clovis and nearby locations. The company's mortgage consultants recommend conventional loans for borrowers with good credit and capable of paying at least a 5% down payment. Conventional loans typically have terms of 30, 20, 15, 10, and 5 years. Its conventional lending programs allow clients to buy single-family houses, warrantable condominiums, planned unit complexes, and 1-4 family residences. Broker Alicia Villegas-Moore has been in the mortgage industry since 2004.

License Verified:

License: 925515

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (39)
Google
4.8 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.