Spring 2026 Home Buying in Fresno: What Central Valley Buyers Need to Do Right Now

 

Introduction

Spring is traditionally the busiest season for real estate in the Central Valley, and 2026 is shaping up to be no exception. Inventory in the Fresno and Clovis market typically increases between March and June, giving buyers more choices — but also more competition. After more than 40 years helping Central Valley families finance homes, I can tell you that the buyers who move quickly and come prepared are the ones who win in a spring market.

Here’s what you need to do right now to be ready.

1. Know Where Your Credit Stands Today

Your credit score is the single biggest factor in determining your interest rate and which loan programs you qualify for. In today’s market, the difference between a 680 and a 740 credit score can mean hundreds of dollars per month on your payment.

Pull your free credit report at AnnualCreditReport.com and look for any errors or old accounts dragging your score down. If you find something, dispute it now — not after you’re already in contract on a home. Give yourself at least 60 to 90 days to clean up anything that needs attention before you start shopping.

---

2. Get Realistic About Your Budget — Including the Hidden Costs

A lot of buyers in Fresno focus only on the purchase price. The monthly payment tells a more complete story. Make sure your budget accounts for all of these:

• Principal and interest on your mortgage
• Property taxes (Fresno County runs roughly 1.1% to 1.25% of the purchase price annually)
• Homeowners insurance
• HOA dues if applicable — common in newer Clovis and northwest Fresno developments
• Any Mello-Roos or special assessments in newer subdivisions
• Monthly maintenance reserve — I suggest budgeting 1% of home value per year

Use my free Purchase Calculator at edglazebrook.com to see your real estimated monthly payment before you start shopping. It includes taxes and insurance so there are no surprises.

---

3. Get Pre-Approved — Not Just Pre-Qualified

There’s a difference. A pre-qualification is a quick estimate based on what you tell me. A pre-approval means I’ve reviewed your actual income, assets, and credit and issued a written commitment. In a competitive Fresno spring market, sellers and their agents know the difference too.

As an independent mortgage broker I have access to multiple wholesale lenders, which means I can find you the most competitive rate available — not just whatever one bank is offering that week. Getting pre-approved costs nothing and takes about 24 to 48 hours once I have your documents.

Call me at (559) 831-4740 or visit edglazebrook.com to get started.

---

4. Don’t Overlook Down Payment Assistance Programs

Many Central Valley buyers — including move-up buyers, not just first-timers — qualify for down payment assistance programs they don’t know about. CalHFA, Golden State Finance Authority, and several Fresno County programs offer grants and deferred loans that can cover part or all of your down payment.

VA loans offer $0 down for eligible veterans and active-duty service members. USDA loans offer $0 down for properties in qualifying areas throughout the San Joaquin Valley including parts of Madera, Sanger, Reedley, and Selma.

I’ll walk you through every program you qualify for at no charge. There’s no reason to put more down than you have to.

---

5. Move Fast When You Find the Right Home

In the Fresno spring market, well-priced homes in desirable areas — Clovis Unified School District, northwest Fresno, Sanger — can receive multiple offers within days of listing. Being pre-approved and working with a mortgage broker who can move quickly on your financing gives you a real advantage over buyers who are still figuring out their loan.

I’ve been helping Central Valley families close purchases in 21 to 30 days for over 40 years. When you’re ready to move, I’m ready to move with you.

---

CLOSING CALL TO ACTION:

Ready to get started this spring? Call me directly at (559) 831-4740 or visit edglazebrook.com to use my free Purchase Calculator and submit a quick quote request. Consultations are always free and there’s never any obligation.

Ed Glazebrook | Team Glazebrook | Mortgage Broker | NMLS #293901 | DRE #00701337 | Equal Housing Lender