Today's Clovis Mortgage Rates
Mortgage rates as of 6/15/2026 from PSD, Ltd.
Mortgage rates as of 6/15/2026 from PSD, Ltd.
Vancellen Sturgeon NMLS ID 183922
Because PSD, Ltd. is a mortgage broker, we can shop several lenders for your Clovis purchase or refinance. That means more loan choices, faster approvals, and better pricing on FHA, VA, conventional, and jumbo mortgages.
Call us at (505) 908-1057 to get today's Clovis mortgage rates and closing cost options.
Clovis and the Cannon AFB community rely heavily on VA financing, and PSd, Ltd. 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.
Mortgage rates in Clovis change with the market so working with a local broker that monitors pricing every day is important. PSD, Ltd. shops your loan with multiple lenders to help you lock the best rate and closing cost combination for your scenario.
Whether you are buying in Clovis for the first time or moving up, we can structure fixed-rate, ARM, or government-backed loans and walk you through underwriting from start to finish. Use our affordability calculator and monthly payment calculator to plan your Clovis purchase.
Refinancing in Clovis can lower your monthly payment, shorten your term, or let you tap equity for improvements to your Clovis home. PSD, Ltd. will compare lender refi options and show you which one provides the best savings.
Because PSD, Ltd. is a mortgage broker, we match your loan with the lender offering the best rate and term for your credit, property type, and equity position. You are not limited to one bank's pricing.
The most popular option in Clovis for long-term payment stability and easier qualifying.
Pay the home off faster and save on interest. Great for buyers with strong income.
Lower down payment and flexible guidelines for first-time or returning buyers.
For eligible veterans and service members in New Mexico — often with no down payment.
Not every borrower in Clovis sees the same rate. PSD, Ltd. reviews your credit, equity, property type and purpose, then pulls pricing from several lenders to find the one that fits you best.
Higher credit scores and stable income can qualify for lower rates.
More equity or a bigger down payment usually reduces risk to the lender.
Primary homes often price better than second homes or investments.
Clovis is home to about 37,000 residents, with a median household income near $54,800, a homeownership rate around 62 percent, and a young median age of 32 tied in part to Cannon AFB. Affordable price points keep the monthly payment front of mind for most buyers. PSd, Ltd. helps Clovis borrowers compare VA, FHA, and conventional options to keep payments manageable.
PSd, Ltd. 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 mortgage quote to Curry County guidelines across conventional, FHA, VA, and jumbo loans.
Current Clovis housing data shows median listing prices around the low $200,000s, with recent median sold pricing near $215,000. Recently sold homes were commonly tied to listing levels near $200,000 to $205,000. In practical terms, many financed purchases are landing between $190,000 and $240,000, making Clovis mortgage rates a key factor in keeping payments affordable.
Buyers in Clovis are typically focused on affordability and stable housing costs, with activity spread across established neighborhoods and entry-level price points. With Cannon AFB nearby, VA financing is a common choice. This market attracts first-time buyers, local workforce households, and buyers looking to keep monthly payments predictable. Comparing Clovis mortgage rates carefully can make a meaningful difference in long-term affordability at these price levels.
As of March 31, 2026, New Mexico 30 year fixed mortgage rates were around 6.45%, while 15 year fixed rates were around 5.81%. At current price levels, most purchases in Clovis stay well within conforming loan limits, so the main focus is choosing the right combination of rate, closing costs, and mortgage insurance. PSd, Ltd. can compare Clovis mortgage rates across conventional, FHA, and VA loan options based on your budget and goals.
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 programs offered through MFA Housing New Mexico, the state housing authority. PSd, Ltd. can check which Clovis first-time home buyer and down payment assistance options fit your situation and pair them with a competitive rate.
As little as 3 to 3.5 percent down for qualified Clovis buyers.
Zero-down financing for eligible homes in rural areas near Clovis.
State programs may help cover down payment and closing costs for eligible Clovis buyers.
Rates change daily with the market. The current 30-, 20-, 15-year fixed, and FHA rates are shown at the top of this page and updated each business day. For a same-day quote built around your credit, down payment, and property, call PSd, Ltd. at (505) 908-1057.
A bank can only offer its own loans. As a broker, PSd, Ltd. shops several lenders at once for your Clovis loan, which usually means more program choices and better pricing on FHA, VA, conventional, and jumbo mortgages without you applying at multiple banks.
That depends on your income, debts, down payment, and the rate you qualify for. Try our affordability and monthly-payment calculators to estimate a range, then call (505) 908-1057 and we'll firm it up with a pre-approval.
Many buyers qualify with scores in the low-to-mid 600s, and FHA loans can go lower with the right file. Higher scores generally earn lower rates, so we'll review your credit and shop lenders to match you with the best available pricing.
For 2026, all New Mexico counties including Curry County use the national baseline conforming limit of $832,750 for a one-unit home. Loans above that are jumbo and priced separately. FHA limits are lower and vary by county; call (505) 908-1057 for the current FHA figure for Clovis.
Yes. VA loans are one of our most-requested programs for eligible veterans, active-duty service members, and surviving spouses near Clovis, often with no down payment. We shop multiple lenders for the best VA rate and can also help with FHA and conventional options.
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, Ltd. provides rate shopping and mortgage options throughout New Mexico and Colorado. Below are six of 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