The First-Time Homebuyer Guide
Everything you need to buy your first home in Fresno, Clovis, and the Central Valley — from pre-approval to closing day. Get clarity on down payments, loan programs, and how to avoid costly mistakes.
What's Inside the Guide
A practical, jargon-free resource written for first-time buyers in the Central Valley.
The Pre-Approval Process
Understand exactly what lenders look for and how to prepare before you apply.
Down Payment Options
Learn about low-down-payment programs, including FHA and down payment assistance.
Timeline & Milestones
A clear step-by-step roadmap from house hunting all the way to closing day.
Avoiding Costly Mistakes
Common first-time buyer pitfalls and how to steer clear of them.
Your Local Expert
Marcus Cavazos — NMLS #1938369
I've helped Central Valley families navigate the mortgage process with transparency and personalized options. This guide distills the questions I hear most into one clear resource.