Mortgage Broker in Fresno, CA — Home Loans for Purchase and Refinance

If you are buying a home or refinancing in Fresno, Lendia can help. Lendia, Inc. is a licensed California mortgage broker, not a bank. Instead of offering a single lender’s products, we compare options from the wholesale lenders we work with for FHA, VA, conventional, jumbo and non-QM loans, then walk you through the choices that fit your situation. Fresno is in Fresno County, and we arrange loans for properties throughout the county.

Buying or Refinancing in Fresno

Fresno is a major city in California’s Central Valley, surrounded by farmland and closely tied to agriculture, healthcare, and education, with California State University, Fresno on the northeast side. Older neighborhoods around the Tower District and downtown feature early twentieth-century homes, while newer subdivisions have grown outward to the north and east, often with larger floor plans and HOA-managed streets. Rural and semi-rural parcels sit just past the city edge.

Fresno County uses the standard conforming limit, and conventional, FHA, and VA loans are programs buyers often consider, and some properties on the outskirts may qualify for USDA financing depending on location. Farm-related and seasonal income can come up, so self-employed borrowers and those with variable earnings should expect underwriters to ask for solid documentation. Older homes may need repairs that affect appraisal or loan choice. We sit down with you early, sort out which program matches your income and property, and keep the process straightforward from application through closing.

Common Loan Situations in Fresno

• Ag-related and self-employed income. Variable or seasonal earnings require clear tax returns and profit records, which we help you organize in advance.
• Rural-edge properties. Homes on larger parcels or beyond the city limits can raise questions about USDA eligibility, wells, and septic systems.
• Older central-city homes. Buyers renovating a character home may want a loan that rolls repair costs into the mortgage.

Fresno County Loan Limits for 2026

The 2026 conforming loan limit for a one-unit home in Fresno County is $832,750. That is the national baseline limit for 2026. Conventional loans above it are jumbo loans, which follow different guidelines from conforming loans, so it helps to know early which side of the line your purchase falls on. VA loans work differently: with full entitlement there is no VA-set loan limit, and the county limit mainly matters for borrowers with reduced or remaining entitlement. You can look up the limit for a specific ZIP code on our California loan limits page.

Home Loan Programs Available in Fresno

• Conventional loans — for buyers and homeowners with solid credit; down payment options start as low as 3% for eligible buyers.
• FHA loans — government-insured loans with down payments as low as 3.5% for qualified borrowers and more flexible credit guidelines.
• VA loans — up to 100% financing for eligible veterans, active-duty service members and some surviving spouses.
• Jumbo loans — for conventional loan amounts above the Fresno County limit of $832,750.
• Non-QM and bank statement loans — alternative documentation for self-employed borrowers, investors and other non-traditional income.
• Refinancing — rate-and-term and cash-out options for current Fresno homeowners.

How Working With Lendia Goes

1. Start with your goals. Tell us whether you are buying, refinancing or taking cash out, and what monthly payment feels comfortable. The affordability guide shows how lenders look at your income and debts.
2. Get preapproved. We review your income, assets and credit, then explain which programs fit. See what to expect in our preapproval guide.
3. Compare options. Because we are a broker, we can compare programs from the lenders we work with rather than quoting one product.
4. Close with clear communication. We keep you updated on appraisal, underwriting and closing steps so there are no surprises.

Common Questions From Fresno Borrowers

What is the loan limit in Fresno County?

For 2026, the one-unit conforming limit in Fresno County is $832,750. Conventional loan amounts above it are jumbo loans, while VA loans with full entitlement have no VA-set limit. Limits are higher for two- to four-unit properties.

Can I buy in Fresno with less than 20% down?

Yes, depending on the program. Conventional loans can go as low as 3% down for eligible buyers, FHA loans as low as 3.5% down for qualified borrowers, and VA loans offer up to 100% financing for eligible borrowers. Lower down payments usually mean mortgage insurance on conventional and FHA loans. Our down payment guide explains the tradeoffs.

Is Lendia a bank or a broker?

Lendia is a mortgage broker, which means we arrange your loan with a lender rather than lending our own money. Lendia, Inc. is licensed in California only. You can verify our license on the NMLS Consumer Access website using NMLS #295073.

Ready to talk about your Fresno purchase or refinance? Request a rate quote or call (949) 333-4636.

Lendia, Inc. | 1907 Millwood St, Santa Ana, CA 92705 | NMLS #295073 | Licensed by the California DRE #01877189