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Sanger, California · Fresno County
One roof over the
whole transaction.
Real estate, mortgage lending, and third-party contract processing held by a single licensed firm. Not three vendors passing a file between them.
Real Estate
Listing, buying, and investment property across Fresno County. DRE 02129986.
Mortgage Lending
Conventional through USDA, plus programs written for self-employed and agricultural income. NMLS 2669341.
Contract Processing
Third-party transaction coordination for agents and brokers who would rather be selling.
I
Real estate that begins with the number, not the listing.
Most buyers tour houses first and sort out financing later. That order is how people lose the house they wanted, usually to somebody whose lender was already in the room.
BUYING
First home
Down payment assistance, gift funds, and credit timelines mapped before you fall in love with an address.
SELLING
Listing your property
Priced against what actually closed on your street, photographed properly, and marketed on a plan you read before it runs.
INVESTMENT
Rental and multi-unit
Cash flow modeled on real Valley rents and real vacancy, with financing that qualifies on the property rather than your W-2.
MOVE-UP
Selling and buying at once
Two escrows sequenced so you are not homeless for a month or carrying two payments for three.
LAND
Rental and multi-unit
Well, septic, zoning, and USDA eligibility confirmed before you write, not discovered during inspection.
RELOCATION
Selling and buying at once
Street-level guidance on schools, commute, water, and what a given ZIP code actually feels like on a Tuesday.
REAL ESTATE
LENDING
II
Financing handled in the same building as the offer.
Every conventional program, plus the ones this Valley genuinely needs. Self-employed, seasonal, and agricultural income is not a disqualification here.
3% DOWN
Conventional
Strongest pricing when credit supports it. Mortgage insurance falls away at 20% equity rather than following you for the life of the loan.
3.5% DOWN
FHA
Lower credit thresholds and more forgiving debt ratios. The workhorse of this market.
ZERO DOWN
VA
No down payment and no monthly mortgage insurance for eligible service members, veterans, and surviving spouses.
ZERO DOWN
USDA rural
Much of the map outside Fresno and Clovis qualifies. We check eligibility by address before an offer is written, not after.
BANK STATEMENT
Self-employed
Qualify on twelve or twenty-four months of business deposits when legitimate deductions have written your tax returns down.
INVESTOR
DSCR and jumbo
Rental income qualifies the property on its own merits, alongside loan amounts above conforming limits.
PROCESSING
III
You wrote the deal. You should not be chasing page fourteen.
Third-party contract processing for agents and brokers. We take the file from accepted offer to closed and hand your broker a complete, compliant package.
File opened and escrow, title, and lender introduced within twenty-four hours of acceptance
Every contractual deadline calendared and tracked, with notice ahead of the date rather than on it
Disclosure packages prepared, delivered, tracked, and followed until signed
Signatures and initials chased so you are not the one sending a fourth text on a Sunday
Written weekly status to you, your client, and the other side of the transaction
Contingency removals prepared and timed to the contract rather than to memory
Broker compliance package assembled as the file moves, audit-ready at close
Post-close file delivered complete, with nothing left for you to reconcile
What the next ninety days look like.
Every transaction differs. The order rarely does. This is the sequence when all three pieces sit in one office.
WEEK ONE
Conversation
Twenty minutes on what you want, earn, owe, and have saved. No documents yet.
WEEK TWO
Pre-approval
Credit pulled, income and assets reviewed, program selected. You leave knowing your ceiling.
WEEKS TWO TO SIX
The search
Showings inside a real budget, with eligibility and tax rates checked on anything serious.
OFFER
Acceptance
Terms structured to win without overpaying, financing already verified under this roof.
THIRTY DAYS
Underwriting
Appraisal ordered, conditions cleared, inspections negotiated, every date tracked.
CLOSE
Signing and keys
Final figures reviewed with you before signing rather than at the table. Then it is yours.
ABOUT
FOUNDER
Alex Limon
Most people in this business choose a lane. Alex holds licenses on both sides of the transaction and runs contract processing for other agents on top of that, which means she has watched files fail from three separate angles and knows where the cracks open before anyone falls through one.
The firm works throughout Fresno County and the surrounding Valley from an office on Camelia Avenue. Most clients arrive through somebody she has already closed for.
ALEX LIMON
Founder
THE LIMON GROUP, INC.
NMLS 2669341 · DRE 02129986
OFFICE
402 Camelia Ave, Sanger, CA 93657
LANGUAGES
English · Español
ON THE MAP
Where we work
Fresno County and the surrounding Central Valley, from Madera down to Visalia and east into the foothills. If your address is not on the map, ask anyway.
FAQ
Questions people actually ask
How much do I really need for a down payment?
Less than most people assume. VA and USDA loans can reach zero down, FHA opens at 3.5%, and several conventional programs start at 3%. A large share of the map around Sanger qualifies for USDA, and California down payment assistance sits on top of that. The honest number arrives after a fifteen-minute conversation about your credit and income.
Do I have to use you for both the house and the loan?
No. Plenty of clients bring their own lender or their own agent and that is genuinely fine. Using both sides only removes the handoffs, which is where most delays are born. You will never be pressured into the second service to receive the first.
I am self-employed and my tax returns look terrible. Can I still buy?
Usually, yes. Writing income down is sound tax planning and poor mortgage planning, and there are programs built for precisely that conflict. Bank statement loans qualify you on twelve or twenty-four months of business deposits rather than adjusted gross income. Bring two years of statements and you will know where you stand.
What does contract processing cost?
A flat fee per file, billed at close. If the transaction falls apart there is no charge. Ask for the rate sheet and you will receive current pricing alongside exactly what is and is not included.
How long does closing take?
Thirty to forty-five days is typical on a financed purchase, and a clean file with a responsive buyer beats that. Nearly every escrow that runs past forty-five days does so because documents were requested and not sent. That is the part we manage hardest.
¿Hablan español?
Sí. Toda la transacción se puede manejar en español, desde la preaprobación hasta la firma final. Llame al 559 240 3964.
TELEPHONE
559.240.3964
REQUEST A CONSULTATION
Tell us what you are trying to do.
Buying, selling, financing, or a file that needs a coordinator. Say which and you will get a real answer rather than a brochure.
OFFICE
402 Camelia Ave, Sanger, CA 93657
LICENSING
NMLS 2669341 · DRE 02129986
CONTACT
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