Good Evening Mary - Are you relocating to this area? Let me know if I can help you. I have a relocation background and grew up in Fresno/Clovis so I am very familiar with the area. I can recommend a great loan officer who will help guide you through the process. There are programs that may be available to help you with your down payment and/or closing costs. Feel free to contact me at 559-288-6382. I would love to meet with you!