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2024

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Best Mortgage Brokers in Clovis, CA

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.

36Reviewed

26Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1702 E Bullard Ave Ste 104, Fresno, CA 93710
WebsiteLicense: 212593

Expertise.com Rating

Review Sources

Google
5.0 (13)
Yelp
5.0 (9)

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.

  • Reverse Mortgages
  • Refinance

935 G St, Reedley, CA 93654
WebsiteLicense: 1786735

Expertise.com Rating

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.

  • Refinance

1398 W. Herndon Ave., Fresno, CA 93711
WebsiteLicense: 223688

Expertise.com Rating

Review Sources

Google
4.9 (51)
Facebook
5.0 (23)

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.

  • Reverse Mortgages
  • Refinance

1522 Shaw Avenue, Clovis, CA 93611
WebsiteLicense: 225400

Expertise.com Rating

Review Sources

Facebook
4.7 (19)
Google
4.0 (12)

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.

  • New Construction

7644 North Palm Avenue, Fresno, CA 93711
WebsiteLicense: 219418

Expertise.com Rating

Review Sources

Google
4.9 (71)

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.

  • Multi-Family Loans

1575 Shaw Avenue Suite 104, Clovis, CA 93611
WebsiteLicense: 289428

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (8)
Yelp
4.0 (4)

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.

  • Refinance
  • New Construction

1080 W Shaw Ave, Suite 101, Fresno, CA 93711
WebsiteLicense: 249678

Expertise.com Rating

Review Sources

Google
5.0 (8)

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.

  • Refinance

2520 W Shaw Ln, Suite 106, Fresno, CA 93711
WebsiteLicense: 1825688

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
4.5 (17)
Zillow
5.0 (1)

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.

  • New Construction

4244 W. Mineral King Ave., Visalia, CA 93291
WebsiteLicense: 264441

Expertise.com Rating

Review Sources

Google
4.4 (9)

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.

  • Refinance

2700 Clovis Ave. Suite 108, Clovis, CA 93612
WebsiteLicense: 925515

Expertise.com Rating

Review Sources

Facebook
4.9 (39)
Google
4.8 (19)

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.

  • Refinance

7050 N Fresno St. #210, Fresno, CA 93720
WebsiteLicense: 244685

Expertise.com Rating

Review Sources

Zillow
5.0 (98)
Google
5.0 (67)
Facebook
5.0 (19)

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.

  • New Construction

6440 North Maroa Avenue, Fresno, CA 93704
WebsiteLicense: 330426

Expertise.com Rating

Review Sources

Zillow
5.0 (33)

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.

  • Refinance

755 North Peach Ave, Clovis, CA 93611
WebsiteLicense: 1863420

Expertise.com Rating

Review Sources

Google
5.0 (89)
Zillow
5.0 (41)

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.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
OneRay
1702 E Bullard Ave Ste 104, Fresno, CA 93710
Uver Murillo
935 G St, Reedley, CA 93654
Western Pioneer Financial
1398 W. Herndon Ave., Fresno, CA 93711
Universal Lending
1522 Shaw Avenue, Clovis, CA 93611
Mid Valley Financial
7644 North Palm Avenue, Fresno, CA 93711
Bobby Campos
1575 Shaw Avenue Suite 104, Clovis, CA 93611
Sierra Pacific Fresno
1080 W Shaw Ave, Suite 101, Fresno, CA 93711
Xander Mortgage and Real Estate Inc
2520 W Shaw Ln, Suite 106, Fresno, CA 93711
Kings Mortgage Services, Inc.
4244 W. Mineral King Ave., Visalia, CA 93291
Mission Mortgage and Realty
2700 Clovis Ave. Suite 108, Clovis, CA 93612
Kurt Goetz
7050 N Fresno St. #210, Fresno, CA 93720
Royal Charter Mortgage
6440 North Maroa Avenue, Fresno, CA 93704
MAV Mortgage
755 North Peach Ave, Clovis, CA 93611

FAQs

  • 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.