Clovis Mortgage Broker & VA Loan Rates
Local brokering for Clovis, Cannon AFB families, and all of Curry County. Live rates as of 9/25/2026 from PSd Mortgage
Local brokering for Clovis, Cannon AFB families, and all of Curry County. Live rates as of 9/25/2026 from PSd Mortgage
Vancellen Sturgeon · NMLS ID 183922
Clovis and the Cannon AFB community rely heavily on VA financing, and PSd Mortgage shops multiple lenders to find the best VA, FHA, and conventional terms for Curry County buyers. Whether you are using your VA benefit for the first time or refinancing, we compare pricing across lenders so you do not leave money on the table.
Call (505) 908-1057 for today's Clovis rates, or start your pre-approval online.
Mortgage rates in Clovis change with the market every day, so working with a local broker who monitors pricing daily matters. PSd Mortgage shops several lenders for Curry County buyers to help you lock the best rate and closing-cost combination for your scenario. Our affordability calculator and monthly payment calculator will frame the budget, then call and we will add Curry County taxes and confirm your VA entitlement position.
Clovis median listing prices were running around $214,000 to $232,000, while recent sold pricing was closer to $215,000 to $220,000. Many financed purchases land between $190,000 and $240,000, making rate choice a key factor in affordability.
Buyers in Clovis are typically focused on affordability and stable housing costs, with activity across established neighborhoods and entry-level price points. With Cannon AFB nearby, VA financing is a common choice. The market attracts first-time buyers, local workforce households, and buyers keeping payments predictable.
Recent New Mexico 30-year fixed rates were around 6.45%, while 15-year fixed rates were around 5.81%. At current price levels, most Clovis purchases stay well within conforming loan limits, so the main focus is the right combination of rate, closing costs, and mortgage insurance.
Eligible service members and veterans can frequently buy with no down payment and no monthly mortgage insurance.
We time pre-approval and rate locks to your report date so your closing fits the move.
VA pricing varies by lender. As a broker we compare several so you keep more of your benefit.
The most popular option in Clovis for long-term payment stability and easier qualifying.
Genuinely affordable at Clovis price points, where the shorter term can add less to the payment than a rate change would.
A frequent route for first-time Clovis buyers, with the county FHA limit far above anything in the local market.
The most-used program among Cannon AFB families, requiring no down payment for those with entitlement.
Buying your first home in Clovis? Beyond FHA and VA, you may qualify for low-down-payment conventional loans, USDA loans on eligible properties in rural areas near Clovis, and New Mexico down payment assistance through MFA Housing New Mexico, the state housing authority. PSd Mortgage can check which Clovis first-time buyer and down-payment-assistance options fit your situation and pair them with a competitive rate.
As little as 3–3.5% down for qualified Clovis buyers.
Zero-down financing for eligible homes in rural areas near Clovis.
Clovis is one of the easiest New Mexico markets to pair with state assistance, given how far pricing sits below the caps.
Refinancing in Clovis can lower your monthly payment, shorten your term, or let you tap equity for improvements. As a broker we can compare a VA streamline against a full refinance for Clovis owners, and we will say plainly when the savings do not justify the cost. Try our refinance calculator to estimate your break-even.
1Pre-approval
We review your credit, income, and assets and issue a pre-approval so you can make offers with confidence.
2Rate shopping
Cannon AFB buyers often need a quick close around a report date, so we price your Clovis file across lenders with turn time weighted alongside rate.
3Underwriting to close
We manage the file through underwriting and coordinate closing so your Clovis purchase or refi closes on time.
PSd Mortgage serves buyers and homeowners across Curry County, including Clovis and the surrounding communities. Because conforming and FHA loan limits, property values, and program eligibility can vary by county, we tailor your Clovis quote to Curry County guidelines across conventional, FHA, VA, and jumbo loans.
Nothing in the Clovis market comes near the 2026 loan limits, and VA borrowers with full entitlement face no limit at all.
$541,287 on a one-unit home in Curry County.
$832,750 on a one-unit home. Above that a loan is jumbo and priced on a separate sheet.
No limit for full entitlement, far beyond what Curry County pricing calls for.
With most financed purchases between $190,000 and $240,000, Clovis buyers operate at roughly a quarter of the county FHA limit. Loan size never restricts program choice here. For Cannon AFB families, the more useful question is whether VA entitlement has been used on a prior home and how much remains.
Most financed Clovis purchases land in the $190,000 to $240,000 range. Using $215,000 as a working example, here is what each program asks for up front. Closing costs are quoted separately, and a seller credit often covers most of them at this price level.
| Program | Down Payment | Cash Needed on $215,000 |
|---|---|---|
| VA (eligible veterans) | 0% | $0 |
| Conventional, first-time buyer | 3% | $6,450 |
| FHA | 3.5% | $7,525 |
| Conventional, standard | 5% | $10,750 |
| Conventional, no monthly mortgage insurance | 20% | $43,000 |
At Clovis prices the dollar amounts are small enough that the deciding factor is usually mortgage insurance and closing costs rather than the down payment itself.
New Mexico runs a first mortgage program that pairs with a second mortgage for down payment and closing cost help, plus a zero-interest option for lower-income buyers. A 620 score and a homebuyer education course are generally required. Clovis pricing clears the purchase price caps with room to spare, though Cannon AFB families should know that housing allowance counts as household income when eligibility is calculated.
Rates change daily with the market. The rates above update every business day across 30-, 20- and 15-year fixed, FHA and VA, which is the program most Cannon AFB buyers end up using. For a same-day quote, call PSd Mortgage at (505) 908-1057.
Yes. VA loans are one of our most-requested programs for eligible veterans, active-duty service members, and surviving spouses near Cannon AFB, often with no down payment. We shop multiple lenders for the best VA rate and can time pre-approval around a PCS.
A bank can only offer its own loans. As a broker, PSd Mortgage shops several lenders at once for your Clovis loan, which usually means more program choices and better pricing on VA, FHA, and conventional mortgages.
For 2026, all New Mexico counties including Curry County use the national baseline conforming limit of $832,750 for a one-unit home. The 2026 FHA limit in Curry County is $541,287 on a one-unit home, and VA loans have no limit at all for borrowers with full entitlement.
On a $215,000 Clovis purchase, VA is $0 down for eligible veterans, conventional starts at $6,450 for a first-time buyer, FHA is $7,525, and $43,000 avoids monthly mortgage insurance entirely. At Clovis prices the dollar amounts are small enough that the deciding factor is usually mortgage insurance and closing costs rather than the down payment itself. Call PSd Mortgage at (505) 908-1057 and we will check how much VA entitlement you have left before you shop.
Absolutely. We'll walk you through pre-approval, explain FHA and low-down-payment conventional options, and shop lenders so you start with a competitive rate. Call (505) 908-1057.
Roswell mortgage rates • Hobbs mortgage rates • Kirtland AFB / ABQ VA loans • See all areas we serve
Overall, Van has been amazing to work with! She made my first time home buying experience an excellent one! She walked with me though the process, and was always quick to respond. At the end of the day, she coordinated with different lenders, and got me an amazing rate. I could not have picked a better partner to work with! Van has been a huge blessing from the Lord!
Van from PSd Mortgage is amazing to work with. Her persistence with the lender and realtor team enabled us to close early. We highly recommend Van and PSd Mortgage.
Van is INCREDIBLE! She is on top of her game and will always go ABOVE & beyond for her clients. I had a house deal fall apart 4 days before closing, she was the only one in my corner fighting for me. I came out the other side and I was able to close on a new property quickly with her help!! I am now a customer for life - Thank you Van!!!
Van with PSd Mortgage was absolutely incredible. We had a very quick closing date and Van was exceptional in getting items/documents in place and coordinating with all of the parties involved. I would highly recommend!
Vancellen made us feel like we were family. What a great help she was for all of our needs. Would recommend her to anyone who needs a fantastic mortgage broker. She is a very caring person.
Great experience with Vancellen, she helped find great mortgage rates on both of our home purchases in Jemez Springs and Los Alamos area. She was always very quick to respond to questions and provided honest insight. I would highly recommend PSd Mortgage. Kyle F
Van Sturgeon is a miracle worker! She guided me through every step of the mortgage process, and was ALWAYS available whether by email, text or phone. She knew exactly what was needed, was extremely patient, and found an excellent loan at excellent rates for my new home purchase! The contract almost fell through 5 days before closing because of the appraisal valuation, but Van was steadfast about what needed to be done to make it work. I closed on my beautiful home yesterday, and it went without a hitch. Thank you so much, Van! You made all my dreams come true. I highly recommend Van Sturgeon to anyone seeking a home loan.
Working with Van made refinancing very easy. I had a lot of questions that were answered honestly. I wish more lenders had these ethics. I chose PSD after shopping many other lenders, and it was a great choice. I highly recommend Van and her company and will return for future needs.
We have used Van in a few times and I wouldn't go with anyone else for our brokerage needs. She is quick to respond, attentive and always looking out for the best interests of her clients.
Van is very dedicated and is always up to date with the industry, thus being able to provide the best all around service to her clients. She is passionate about providing a great experience and making sure that no matter what the situation, her borrowers are always best position possible. Dedicated, Passionate and Consistently closing loans in under 20 days, Van, Rick and the team at PSd. are not only great at mortgages, they are truly great people and I am very proud and honored, to be able to work with the Team at PSd.!
My family and I highly recommend Vancellen Sturgeon. She was extremely responsive at all hours of the day or evening. Her ability to work quickly and get title to close our loan in record time was impressive and we are extremely grateful. Vancellen Sturgeon has also closed loans for two of my other family members and has earned our future business.
PSd Mortgage provides rate shopping and mortgage options throughout New Mexico and Colorado. Below are the primary markets we serve, but we're not limited to these locations:
• Alamogordo • Albuquerque • Carlsbad • Clovis • Farmington • Hobbs • Las Cruces • Los Lunas • Rio Rancho • Roswell • Santa Fe • Sunland Park