Call (559) 799-3813Pre-Qualify
    Marcus Cavazos Home Loans Logo
    Fresno's Trusted Mortgage Expert

    Let's Bring Your Dream Home to Life, Together

    I believe everyone deserves a place to call their own. As your dedicated partner, I'll walk by your side through every step of the financing journey, ensuring you feel confident, supported, and truly heard.

    Explore Loan Options
    Fast Approvals
    Transparent Process
    Competitive Rates
    Happy family in front of their new home

    First-Time Buyers

    Specialized Programs

    Today's Mortgage Rates

    National averages updated daily by Mortgage News Daily.

    AveragesCurrentPreviousChange
    Mortgage News Dailyupdated daily
    30 Yr Fixed6.656.67-0.02
    15 Yr Fixed6.226.22--
    FHA 30 Yr6.196.22-0.03
    Jumbo 30 Yr6.766.75+0.01
    7/6 SOFR6.326.33-0.01
    VA 30 Yr6.216.24-0.03
    Freddie Macupdated weekly
    30 Yr Fixed6.516.21+0.30
    15 Yr Fixed5.855.47+0.38
    30 Year Fixed
    About These RatesGet This Widget
    Mortgage Rates Recover After Starting Higher
    After posting a decent recovery from 9-month highs yesterday, it looked like mortgage rates were destined to bounce back toward slightly higher levels today. In fact, when lenders released their initi...
    30 Year Fixed
    AveragesCurrentPreviousChange
    Mortgage News Dailyupdated daily
    30 Yr Fixed6.656.67-0.02
    15 Yr Fixed6.226.22--
    FHA 30 Yr6.196.22-0.03
    Jumbo 30 Yr6.766.75+0.01
    7/6 SOFR6.326.33-0.01
    VA 30 Yr6.216.24-0.03
    Freddie Macupdated weekly
    30 Yr Fixed6.516.21+0.30
    15 Yr Fixed5.855.47+0.38
    About RatesGet Widget
    Latest Analysis:
    Mortgage Rates Recover After Starting Higher

    *Rates are provided for informational purposes only and are based on national averages. Actual rates may vary depending on your credit score, loan amount, down payment, and other factors. Contact us for a personalized rate quote.

    Mortgage Solutions for Every Need

    Whether you're buying your first home or refinancing your current one, I offer a variety of loan programs tailored to your unique financial situation.

    First-Time Homebuyer

    Specialized programs with lower down payments and flexible credit requirements to help you buy your first home.

    Conventional Loans

    Traditional mortgage options with competitive rates and flexible terms for buyers with good credit.

    FHA Loans

    Government-backed loans perfect for buyers with lower credit scores or smaller down payments.

    VA Loans

    Exclusive benefits for veterans and active military, including zero down payment options.

    Refinancing

    Lower your monthly payment, change your loan term, or tap into your home's equity.

    Jumbo Loans

    Financing solutions for higher-priced properties that exceed conventional loan limits.

    Down Payment Assistance

    Programs and grants designed to help cover your down payment and closing costs, making homeownership more accessible.

    Mortgage Calculator

    Estimate your monthly payments and see a breakdown of your costs.

    Loan Details

    Adjust the sliders or enter numbers directly.

    $
    $
    Years
    %

    Estimated Monthly Payment

    $2,543/mo
    Principal & Interest
    $2,023
    Property Tax
    $400
    Home Insurance
    $120
    *This is an estimate. Actual payments may vary based on actual taxes, insurance, and HOA fees.
    Marcus - Mortgage Loan Officer

    Hi, I'm Marcus.
    Your Mortgage Advocate.

    Getting a mortgage shouldn't be stressful or confusing. As your dedicated loan officer, I believe in full transparency, constant communication, and finding the right financial solution for your specific goals.

    Whether you're a first-time homebuyer navigating the process or a seasoned homeowner looking to refinance, I'm here to guide you every step of the way.

    Clear Communication

    You'll never wonder what's happening with your loan.

    Personalized Strategy

    We look at your full financial picture, not just a credit score.

    Local Expertise

    Deep knowledge of the Fresno and Central Valley real estate market.

    What My Clients Say

    Don't just take my word for it. Here's what families in the Central Valley have to say about their experience working with me.

    "Marcus made buying our first home an absolute breeze. He explained everything clearly and was always available to answer our questions. We couldn't have asked for a better experience!"

    Sarah M.

    First-Time Homebuyer

    "We refinanced with Marcus and the process was incredibly smooth. He found us a great rate and closed fast. Highly recommend his services to anyone in the Fresno area."

    David & Jessica T.

    Homeowners

    "As a veteran, I wanted someone who understood VA loans. Marcus was extremely knowledgeable and helped me navigate the entire process with ease. True professional."

    Michael R.

    Veteran

    Frequently Asked Questions

    Find answers to common questions about the mortgage process, loan types, and home financing.

    While conventional loans typically require a score of 620 or higher, FHA loans can be approved with scores as low as 580 (or even 500 with a larger down payment). We offer various programs tailored to different credit profiles.

    You don't always need 20% down! FHA loans require as little as 3.5% down, and some conventional programs require only 3%. VA and USDA loans even offer 0% down options for eligible borrowers. There are also down payment assistance programs available.

    Pre-qualification is an estimate of how much you can borrow based on unverified information you provide. Pre-approval is a firm commitment from a lender based on verified financial documents (W-2s, bank statements, credit check), making your offer much stronger to sellers.

    On average, it takes 30 to 45 days from application to closing. However, being pre-approved and promptly providing all requested documentation can significantly speed up the process.

    Closing costs are fees associated with finalizing your loan (appraisal, title search, loan origination, etc.), typically ranging from 2% to 5% of the loan amount. Generally, the buyer pays them, but you can sometimes negotiate for the seller to cover a portion.

    A fixed-rate mortgage keeps the exact same interest rate and principal/interest payment for the entire life of the loan, offering long-term stability. An ARM typically has a lower initial rate for a set period (like 5 or 7 years), after which the rate adjusts annually based on market conditions. ARMs can be great if you plan to move or refinance before the initial period ends.

    Let's Get Started

    Ready to take the first step towards homeownership? Fill out the form or reach out directly.

    Call Me

    (559) 799-3813

    Email Me

    mcavazos@wpfloans.com

    Serving the Central Valley

    Fresno, Clovis & Surrounding Areas

    Your information is secure and never sold to third parties.

    Pre-Qualify Now

    No credit pull required to get started.

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