Clovis Home for Sale!

2620 Miami Ave. W., Clovis CA

Bargain Priced $173,500!

First-time buyer Clovis home! This great Clovis family home boasts Clovis schools, a huge park-sized backyard, a cul de sac on a quiet street with great neighbors. It also includes new paint and flooring throughout, newer roof, brand new kitchen appliances with a new stainless steel sink.  Why wait?  You can own this home and be within walking distance of the Sierra Vista Mall, Cinema 16 theaters, great shopping, fine dining, and community / family events. Bargain-priced. Hurry — won’t last long!

Call Matt Heinricy, the Clovis homes specialist, at (559) 325-4043 (or email Matt@ClovisExperts.com) to see this great Clovis schools home before it’s gone!

• View photos of this home here!
• Get a FREE list of Clovis foreclosures here!
• Search homes near Clovis schools here!

Map of Harlan Ranch

Harlan Ranch

Harlan Ranch is a master-planned community located in North East Clovis CA.  Designed by a team of architects and designers, Harlan Ranch is a 400 acre vibrant community where residents can work, play, and live.

Harlan Ranch offers its own resort-like area, including a Junior Olympic sized swimming pool, playground, rock climbing wall, amphitheater, picnic areas with gas barbecues, and walking and biking trails.  Because of its location, Harlan Ranch residents can easily access downtown Clovis, the Sierra Mountains, and Shaver and Huntington Lakes.

In addition, Harlan Ranch is within the Clovis Unified School District (CUSD).  Students living within Harlan Ranch will attend the newly-opened Bud Rank Elementary at Harlan Ranch school for grades K-6. Students in the 7th and 8th grades will attend Granite Ridge Intermediate School and students in 9th grade will attend the new Clovis north High School while students 10th through 12th grades will attend Buchanan High School.

Harlan Ranch Homes for Sale

There are a number of Harlan Ranch homes for sale. Current planning for Harlan Ranch provides for approximately 1,334 homes, 400 + apartments, 58 live/work units and 14 acres of planned commercial development.  Harlan Ranch home prices range from from the low $200,000’s to the low-$400,000 range.

To receive a FREE list of current Harlan Ranch homes, including any Harlan Ranch foreclosures, just complete the form below.  We’ll send you all current Harlan Ranch homes for sale and automatically email you any new Harlan Ranch listings the moment one comes on the MLS. Now you can be the first to know when the next Harlan Ranch house comes on the market!

FREE List of Harlan Ranch Homes for Sale

Harlan Ranch Realtors – Harlan Ranch Experts!

Should you buy a Clovis home now or wait a few more months to see what the market does?  We get asked this question a lot.  Every Clovis home buyer is different so won’t give a one-size fits all answer.  But here’s why we think if you don’t buy a Clovis home soon, you may be sorry later.

Clovis Homes – #1 Reason to Buy ASAP!

If you’re in the market to buy a new Clovis home, here are 3 reasons why now is a fantastic time to buy:

1. According to CNNMoney, homes in the Fresno / Clovis area are undervalued,
2. The federal government is giving away free money in tax credits, and
3. Interest rates remain low, and

So which of these reasons is the the #1 reason to buy a Clovis home now?  Here’s a hint, it’s NOT because the $8,000 first-time home buyer tax credit (or the $6,500 repeat home buyer tax credit) is ending this spring.  Yes, these are great incentives.  The #1 reason to buy a Clovis home now is because of this:

“April 1 will be the first day that the Federal Reserve will end its debt purchase program and allow the struggling U.S. mortgage market to operate unassisted. As a result, the Fed believes mortgage rates will rise about three-quarters of a percent to about 6 percent,” Boston Fed President Eric Rosengren said recently.

Why should you care if the Federal Reserve ends it debt program?  Here is the projected economic impact if you DON’T buy a Clovis home before April according to the Fed:

• If you buy a $200,000 Clovis home with a FHA loan and put 3.50% down your monthly payment will increase by $93 a month or $1,120 a year!  That’s equal to eating out 4 times a month at Chili’s using their 3 Courses for $20 Menu.
• Your monthly payment increase is 8.6%, this is equal to every home seller in the country raising their prices by 8.6%!  Yikes!
• Finally, if your debt-to-income ratios are really tight, your pre-approval for a Clovis home price of $200,000, just got decreased to $182,800.
• Or if your pre-approval is good for a price of $175k, it just got decreased to $159,950.
• Or if your pre-approval is good for a price of $150k, it just got decreased to $137,100.

So, how do you avoid this from happening to you? First, you could hope or pray that the Fed will extend their purchases of mortgage bonds. Second, you could buy a Clovis home BEFORE the Fed’s purchase plan expires on March 31st.

It’s your choice.  But don’t say we didn’t warn you for what’s right around the corner for Clovis housing homes.  Be smart.  Buy before interest rates climb.

Let’s Go House-Hunting!

Get Your FREE List of Clovis Homes

For a FREE List of Clovis Homes Fill Out the Form Below

The California Association of Realtors’ (CAR) has released its 2010 California Housing Market Forecast and projects the 2010 median home price in California will rise 3.3% to $280,000.  In other words, if CAR is right, the median price of Clovis homes (which was $238,000 in 2009) will increase to $245,854.  Why is CAR so optimistic?

• According to CAR’s Vice President and Chief Economist Leslie Appleton-Young, unlike the rest of the nation, home sales in California already bottomed out, and the median home price hit bottom last year in February.
• Over the last 40 years, CA homeowners who purchase and live in their home for at least 5 years, have averaged an annual rate of return of nearly 12%. That means a Clovis home purchased at today’s median price of $238,000 would be worth a whopping $739,191 in 10 years if CAR is right and the past repeats itself.  Click here for a home appreciation calculator.

Clovis Homes

Have you been thinking about selling or buying a Clovis home?  If so, click here to read the Top 5 reasons why 2010 is a great time to buy a Clovis home.  If 2010 is the year you hope to sell or buy a Clovis home, let us know.  Just fill out the form below and we’ll help you get started on reaching your home goals.

Clovis homes have always been some of the most sought after homes in the Central Valley.  Top-rated Clovis schools, safe neighborhoods, and a quaint community are just some of the reasons why people near and far are flocking to Clovis.  But that’s not all.  Some experts claim it’s the best time to buy a Clovis, CA home in the past 20 years.  We have to agree.  Here are 5 reasons why 2010 is a great time to buy a Clovis home.

1.  Low Prices:  The median price of Clovis homes is $238,000.  You read that correctly.  For under $240,000 you can buy a 3 bedroom, 2 bath, 1850 sq. ft. Clovis home.  Still too expensive?  Click here to search all 371 Clovis homes currently on the market priced from only $14,000 – $2.3 million.

2.  FREE Money:  They say that nothing ever is for “free”.  Except in this case, it really is.  When you buy a Clovis home, first-time Clovis home buyers receive up to $8,000 in tax credits.  Existing home owners who buy a Clovis home can also receive up to $6,000 in tax credits.  Click here to learn more about the new tax credits.  But you better hurry though, this FREE money / tax credits expires April 30, 2010.

3.  Low Interest Rates:  Interest rates are historically low (the average 30-year fixed mortgage is only 5.05%).  In 2010, these historically low rates are expected to begin creeping up to 6.00%.  That’s still pretty good.  But it means that a Clovis home buyer will save $200 a month on mortgage payments if they buy a $300,000 Clovis home at 5.05% instead of 6.00%.  That’s $72,000 over 30 years that you could be putting in your pockets, not the banks!

4.  Plenty of Inventory:  Just a few short years ago it was nearly impossible to buy a Clovis home.  Clovis homes were in such demand that many sold even before they were put on the market!  In 2010, there will be plenty of Clovis homes to choose from and you’ll be able to buy a dream Clovis home, not a leftover.  Click here to search all 371 Clovis homes for sale.

5.  Clovis Schools:  With Clovis home prices so low, parents can essentially choose to send their children to any of Clovis’ top-rated schools.  That hasn’t always been the case.  Just a few years ago some Clovis school districts were so pricey that only a few could afford to live in those areas.  Not any more.  While there are still some more expensive areas in Clovis than others, Clovis home buyers can find an affordable Clovis home near virtually any Clovis school.  Click here to search for Clovis homes near any Clovis school.

Clovis Real Estate

At Clovis Real Estate, we mean it when we say we specialize in Clovis homes. Every day we help people sell or buy a Clovis home at the very best possible price. If 2010 is the year you hope to sell or buy a Clovis home, let us know.  Just fill out the form below and let us help you reach your home goals.

The Buying Process Explained

Buying a Clovis home is complicated.  It involves a number of complex, financial, legal, and technical real estate steps.  But at Clovis Real Estate, we make buying a Clovis home easy!  We take care of everything you need to buy a Clovis home in 3 Easy Steps. Whether it’s your first Clovis home or your 3rd, we make owning a Clovis home easy!

Click the link below to read more, or just fill out the form and we’ll walk you through the Clovis home buying process.

There are 3 steps to buying a Clovis house:

Step 1:  Financing

The first step in the Clovis home buying process is to get pre-approved for a home loan.  Countless of new and experienced home buyers make the mistake of looking for homes before they qualify for a loan.  Don’t make that mistake.  Nothing is more emotionally disappointing than finding a home only to later realize that you don’t qualify for a loan.  It’s heartbreaking.

There’s an easier way!  When it comes to financing your Clovis home, you need 3 things:  (1) money, (2) dependable income, and (3) good credit.

Most people take out a mortgage to buy a Clovis home.  But mortgages can be very complicated so we suggest you speak with a mortgage pro (click here if you have mortgage questions).  Your Mortgage pro will help you get pre-approved to buy a Clovis home.  That’s critical because you CAN’T MAKE AN OFFER ON A CLOVIS HOME WITHOUT A PREAPPROVAL LETTER.  So take the time and get pre-approved FIRST.  Fortunately, getting pre-approved for a Clovis home is relatively easy when you contact a Mortgage pro like Kathy Tuck.  They’ll go over your income, credit scores, and mortgage options.

Other Helpful Resources

• How much home can you afford?
• Buying vs. Renting

Step 2:  Searching for a Clovis Home

After you’re pre-approved, the 2nd step in the home buying process is to go house-hunting!  This is by far the most fun and exciting part of buying a Clovis home.  But it’s not as easy as it looks.  There are hundreds and hundreds of Clovis homes for sale.  You’ll want to find the Clovis home that’s right for you, in a great neighborhood, and at a great price.  How do you do this?

We’re the Clovis home experts, which means we have the largest possible selection of Clovis homes on the MLS (click here to search now).  Plus, we offer advanced VIP Clovis home searches not found anywhere else, and a new cell phone app (works on any phone) where you can search all Clovis homes for sale – right from your phone (FREE phone app)!

When you find a Clovis home you’d like to see – just call, email, or text us — and we’ll take you to go see the home(s).  We LOVE looking at Clovis homes and would love you to show you any Clovis home you’re interested in.  Once inside, we’ll show you our Clovis home expertise and tell you why some homes are good deals, and some aren’t.

Other Helpful Resources

• Clovis home wish list
• Clovis home checklist

Step 3:  Buying Your Clovis Home

Now that you’ve picked out the perfect Clovis home, it’s time to make an offer!  But how much do you offer?  If you offer too little, someone else will likely offer more and buy your home instead (especially if you’re buying a Clovis foreclosure or other bargain priced home).  But offer too much and you’ve then overpaid.  What’s the solution?

As Clovis real estate experts, we excel at knowing just how much to pay for a Clovis home.  After all, selling and buying Clovis homes is our specialty.  Our goal is to get you the Clovis home of your dreams at the very lowest possible price.  We can do this because we’re expert negotiators who will aggressively act on your behalf so you don’t over pay.

Once the seller has accepted your offer, we handle all of the paperwork.  In the meantime, you’ll likely want a home inspection and possibly even a home warranty.  Depending on the circumstances, it then takes about 30 days to “close.”  And with our help, you’ll soon be moving in your new Clovis home (click here for a FREE moving coupon)!

Clovis Real Estate

If you’re thinking about selling or buying a Clovis home, you’ll want a Clovis real estate expert.  At Clovis Real Estate, everyday we help clients get exceptional value for their money and find the best neighborhood and Clovis home for the lowest price possible.  Learn more about our client benefits.

Contact us if you have any questions, or complete the form below and we’ll walk you through the Clovis home buying process.

About Clovis Real Estate

Clovis Real Estate is a Clovis, CA owned company, specializing in Clovis homes.  We’re Clovis Realtors who focus on one thing — Clovis properties and all of the services and assistance Clovis home buyers and sellers require to make their real estate transaction a success!  Because we’re a Clovis realty located right in Clovis, we provide unparalleled expertise to our Clients.

Clovis Real Estate – Services We Offer

Clovis Real Estate offers a number of services for Clovis home buyers and Clovis sellers, including:

• Clovis real estate advice

• Clovis home values (wondering what your Clovis home is worth?  Click here to find out)

• Clovis home searches (search EVERY Clovis home for sale on the MLS here)

• Clovis home searches from your cell phone (try our new cell phone app!)

• Looking for Clovis foreclosures? Get a FREE list here

• Search Clovis homes near any Clovis elementary, middle, or high school (click here)

• Clovis relocation services – moving to Clovis or relocating to Clovis – click here

• Clovis real estate news (see an example here)

• Clovis real estate market reports (click here to see an example)

• Automated searches – get new Clovis listings sent directly to your email box (sign-up here)

• Special Clovis home tours (click here to see an example)

• New Clovis homes and Clovis builders assistance

• Clovis land or Clovis lot searches (click here)

• Clovis neighborhood searches – just let us know what neighborhood you want to live in and we’ll let you know as soon as a new listing comes on the market in that area.

• Clovis first-time home buyer assistance (click here)

• Clovis mortgage / home financing referrals (click here)

• Much, much more!

Clovis Real Estate — Client Benefits

If you’re looking to sell or buy a Clovis home, you’ve come to the right place.  No one knows Clovis real estate like we do!  Click here to learn about all of the benefits of being a Clovis Real Estate client.

Have a real estate question?  We provide FREE Clovis real estate advice.  Whatever your question or need may be, we’re here to help.  All you have to do is ask.  We even make that easy.  You can email, call, or just send us a text message.

Email: info@ClovisExperts.com

Phone: 559-325-4545

Text Message: 559-325-4545

Click here to view the embedded video.

When you want to buy or sell Clovis property, go with the Clovis experts at ClovisExperts.com!

Get New Clovis Home Listings Sent Right to Your Email Box!

Let’s face it, it’s time consuming sifting through hundreds of Clovis homes for sale each day — just to see if any new Clovis homes came on the market.  Now you don’t have to!  With Clovis Real Estate’s automated Clovis home searches, all you have to do is check your email.  When you sign up below, we’ll automatically send any new Clovis home listing that matches your search criteria to your email address.

Be the First to Know!

If you’ve been waiting for a particular Clovis home to come on the market, chances are, others have been, too.  Now you can be the first to know when the Clovis home you’ve been searching for comes on the market.  Remember, the early bird gets the worm!  If another Clovis buyer makes an offer on the home you’ve been waiting for — you just missed out!

Don’t let someone else buy your dream Clovis home!  Just complete the form below and we’ll automatically email all new Clovis home listings that match your criteria.  It’s FAST, SIMPLE, & FREE! So sign-up below and make sure you see all Clovis homes FIRST!

Automatic Clovis Home Listings Criteria

Yes! Send me all new Clovis home listings that match my search criteria below.  [We're serious about your privacy!  We never give out or sell your contact information and you can unsubscribe anytime!]

Automatically send me Clovis homes with …

The Clovis real estate market received more good news.  Yesterday, Congress passed new legislation to extend the home buyer tax credit to not just first-time buyers, but also existing homeowners.  Today, the bill was signed by President Obama today.  Here’s the breakdown of the provisions of the new tax credit and how it impacts Clovis home buyers.

Who Qualifies for the Tax Credit

Once signed into law, the tax credit will be extended through April 30, 2010, with a 60-day extension if a binding contract is in place prior to the deadline.  First-time Clovis home buyers will continue to receive a tax credit of up to $8,000, while existing homeowners will receive a credit of up to $6,500.  Existing Clovis homeowners are eligible for the $6,500 credit if they have lived in their current residences for at least 5 years.

To qualify for the credit, Clovis home buyers must meet certain income guidelines.  Income limits are expanded to $125,000 for individuals and $225,000 for joint filers. Individuals with incomes up to $145,000 and joint filers with incomes up to $245,000 qualify for reduced credits.

The purchase price of the home is capped at $800,000.  In other words, any Clovis home purchase above $800,000 is not eligible for a tax credit.  Also, your offer must be accepted by April 30th, 2010 and close by June 30th.

How to Claim the Tax Credit

Qualified Clovis home buyers can claim the tax credit on purchases completed in 2010 on their 2009 income tax returns.  If the credit exceeds their tax bill, the government will issue a check.  Clovis home buyers do not have to repay the credit, provided the home remains their primary residence for 36 months after purchase.

Frequently Asked Questions

Click here to view answers to frequently asked questions about the new home buyer tax credits.  You can also compare the current tax credit with the newly passed version here.

Clovis Real Estate

The tax credit is just another reason to buy a Clovis home.  Affordable homes, safe neighborhoods, and outstanding schools are a few of the many reasons why Clovis is such a great community to live in.

If you’re thinking about buying a Clovis home, contact us.  We’re Clovis Realtors who specialize in Clovis homes.  At Clovis Real Estate you receive fast, professional service and expert knowledge.  We’re not only Clovis home experts, but we help you find a fantastic Clovis home at the very best price.  Let’s go house-hunting today!  Act now and receive a FREE Moving Van or 1-Year Home Warranty! Limited Time Only.

Just when you thought Clovis home prices were starting to rebound, another report surfaces that sheds a not-so-optimistic prediction on the Clovis real estate market.  We’ll share with you the latest data on Clovis homes and where prices are headed next.  At Clovis Real Estate, we provide Clovis housing market data and reports so you can make informed decisions and get the best possible deal on your next Clovis home purchase.

More Home Price Declines in 2010?

The past few weeks we’ve shared with you articles on the Clovis real estate market.  For example, the California Association of Realtors predicts that CA home prices will increase in 2010.  We disagreed, (see, CAR: “Home Prices to Increase 3% in 2010″).  Other positive market recovery signs were highlighted in the Fresno Bee as Clovis builders were beginning to buy up vacant lots.  Again, we weren’t convinced, (see, Clovis Real Estate Market Heating Up?).

We’re now not the only ones who think the Clovis real estate market hasn’t reached bottom.  CNN now reports that home prices are going to drop an average of 11.3% in 342 out of 381 markets by June 30, 2010 (see, Homes:  About to Get Much Cheaper).  According to the CNNMoney.com article, home prices won’t stabilize and rise until 2011 and then only with a modest 3.6% increase.

Other experts agree.  Mark Zandi, chief economist with Moody’s Economy.com, agree.  “I think home price declines are coming because the foreclosure crises is not over,” he says.

Clovis Homes

What does all of this mean for Clovis homes?  If the past month is any indication (Clovis home values dropped 1.1% from last month), home prices should continue to drop through the rest of the year.  If you’re in no rush to buy, we recommend that you wait until after the first of year (beginning of 2010)  to buy a Clovis home.  Prices likely will drop until then and there usually is a smaller pool of Clovis buyers to compete against.  However, we don’t recommend waiting much longer than that or trying to time the market.  No one can do that.  Not even a skilled real estate economist.

If you need to buy a Clovis home right away, there’s still good news.  The median price for all sold Clovis houses currently is $241,000.  The decrease in Clovis home prices and historically low interest rates have led some experts to state that it’s the best time to buy a Clovis home in the past 20 years (click here to read why).  While prices may drop over the next few months, if interest rates increase as many have predicted, (see, Clovis Mortgage Rates) you actually could end up paying less on your mortgage payment than those who buy after interest rates go up.

Clovis Real Estate

If you’re thinking about selling or buying a Clovis, CA home let us know.  We’re Clovis Experts and we specialize in Clovis Real Estate. You can search all Clovis homes for sale. Become a client today and discover why we’re the #1 Clovis Realtor!