Short sales in Clovis and Fresno County
Underwater in Clovis? Find out if a short sale fits.
I work short sales across the Central Valley, including Clovis. I’ll look at the loans, the value, and the timeline, and tell you what I’d do in your position.
Straight answers. Real options. No automatic assumption that selling is the answer.
Clovis, California
What a short sale looks like in Clovis.
Clovis sits next to Fresno and shares its county government, but it’s its own market.
A separate market from Fresno
Clovis prices and buyer demand don’t track Fresno’s block for block. School district boundaries, newer subdivisions with HOAs, and Mello-Roos or community facilities assessments all affect what a buyer will pay and what a lender’s valuation comes back at. When a lender’s value is off, I challenge it with Clovis sales, not county-wide averages. Foreclosure notices on Clovis properties are recorded with the Fresno County Recorder.
When a short sale is worth looking at
- The house is worth less than the loans against it
- You can’t keep up the payment, or you need to move
- A notice of default has been recorded, or you can see one coming
- There’s a second loan or HELOC that makes a normal sale impossible
What I do
I put the lender package together, price and market the property, and negotiate with every lien holder until there’s a written approval. The full sequence is on the short sale process page. If there are two loans, read how second liens are handled.
Before you decide
Three things every seller here should know.
1. California limits what the lender can collect
For most one to four unit homes, a lender that approves a short sale in writing can’t pursue you for the balance. The details are on the CCP 580e page.
2. Listing the house doesn’t stop a foreclosure
If a notice of default has been recorded in Fresno County, the clock is running. See short sales with a trustee sale date.
3. A short sale isn’t always the answer
If you have equity, you sell normally. If you can afford to stay, you look at a modification first. Compare the outcomes on the short sale vs. foreclosure page, or see the main short sale page for the overview.
Tell me what’s going on. I’ll tell you whether I can help.
This page is general information, not legal, tax, or financial advice. Laws and lender guidelines change, and every situation is different. For legal or tax questions, talk to a licensed California attorney or CPA.
Questions I get
Straight answers.
Do you handle short sales in Clovis?
Yes. I’m based in Fresno and work throughout the Central Valley, including Clovis and the rest of Fresno County.
Where are foreclosure notices recorded for Clovis homes?
Clovis is in Fresno County, so a notice of default or notice of trustee’s sale is recorded with the Fresno County Recorder. The notice itself names the trustee and the sale location.
How much does a short sale cost me?
In a typical short sale the commissions and closing costs are paid from the sale proceeds, subject to lender approval. You shouldn’t pay anyone an upfront fee to negotiate a short sale.
How long does a short sale take?
Plan for a few months from an accepted offer to closing. More lien holders means more time. A complete package at the start is the biggest thing you control.
Get a straight answer
Tell me what’s going on. I’ll tell you whether I can help.
Give me the facts. I will ask questions. Then we will know what the real options are and whether I am the right person for the job.