10 minute read
Business & Service
11
Clovis Happenings
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CENTRAL VALLEY CLASSIC CAR SHOW Clovis Missionary Baptist Church 854 N. Fowler Ave., Clovis, CA Saturday, Apr. 30 8 a.m. – 3 p.m THE JIMMY RUN 1 Mile/2 Mile Hosted by Jimmy John’s Location: Clovis Hills Community Church 1363 5th St., Clovis, CA Saturday, Apr. 30 7:30 a.m. – 5 p.m. DINNER AND DANCE WITH JOHN PEMBERTON Location: Clovis Senior Activity Center 850 4th St., Clovis, CA Saturday, Apr. 30 4. p.m. – 9 p.m. C.W.O HIGH TEA FUNDRAISER City Without Orphans Adoptive Moms, Foster Retreat 2835 Heritage Ave., Clovis, CA Saturday, April 30 6:30 p.m. – 8 p.m.
MAY 2022 CLOVIS TRAILFEST 2022
Location: Old Town and Dry Creek Trails Saturday, May 7 8 a.m. – Noon OLD TOWN FLEA MARKET Location: Clovis Rodeo 748 Rodeo Drive, Clovis, CA Saturday, May 7 and Sunday, May 8
MOTHERS DAY Sunday, May 8
LET’S TALK CLOVIS THE FAMILY OF “IKE” BUTLER: 1920S BLACK BUSINESS OWNER, RIBBON CANE SUGAR Location: Clovis Veterans Memorial District 808 4th St., Clovis, CA Tuesday, May 10 at 6:30 p.m. RUMMAGE SALE Location: Clovis Senior Activity Center 850 4th St., Clovis, CA Thursday, May 12 SHREDFEST Hosted by Clovis Police Department Location: Clovis Rodeo Grounds 748 Rodeo Dr., Clovis, CA Saturday, May 14 9 a.m. – 1 p.m. JEFFERSON ANNUAL CAR SHOW Location: Jefferson Elementary School 1880 Fowler Ave., Clovis, CA Saturday, May 14 9 a.m. – 2:30 p.m. CLOVIS’ MAY-GARITA PUB CRAWL Location: Old Town Clovis 453 Clovis Ave., Clovis, CA Saturday, May 14 4:30 p.m. – 9 p.m. 1ST ANNUAL CLOVIS ROTARY BBQ & BREW Location: P-R Farms, Inc. 2917 e. Shepherd Ave., Clovis, CA Saturday, May 14 5 p.m. – 10 p.m. SPRING WINEWALK Location: Old Town Clovis Saturday, May 14 5p.m. – 8:30 p.m. ANNUAL CHARITY GOLF TOURNAMENT Down Syndrome Association of Central California Location: Dragonfly Golf Course Madera, CA Register at www.dsacc.org Monday, May 16 at 1 p.m. CLOVIS OLD TOWN MOTORAMA CAR SHOW 903 Pollasky Ave., Clovis, CA Friday, May 20 at 5:30 p.m. Saturday, May 21 – Classic Car Sunday, May 22 – Shop Tours CLOVIS MEMORIAL RUN 2022 Location: 4TH St., Clovis, CA Registration now open at clovismemorialrun.com Saturday, May 28 at 7 a.m. SAINT AGNES HOSPICE Vendor Fundraising Event Location: Dry Creek Park 855 N. Clovis Ave., Clovis, CA Saturday, May 28 9 a.m. – 2 P.M. GLORIOUS JUNK DAYS Location: Pollasky Ave., Clovis, CA Sunday, May 29 8 a.m. – 4 p.m.
PLACES TO VISIT
CALIFORNIA 911 MEMORIAL Location: 3485 Never Forget Ln., Clovis, CA Open 365 days a year COMMUNITY HERITAGE CENTER Location: 3rd and Veterans Parkway OPEN Tuesday thru Saturday 10 a.m. – 5 p.m. CLOVIS MUSEUM Location: 4th & Polasky, Clovis, CA Open Tuesday thru Saturday 10 a.m. – 2 p.m.
Business & Service Directory
ACCOUNTING
Teresa M. Stevens, CPA
(559) 326-7072 www.tmstevenscpa.com
ATTORNEY
Lance E. Armo
Over 20 years exp, Estate planning, Business Law (559) 324-6527
DISPOSAL
Recycing & Waste Solutions
“We’ll handle it from here” (559) 275-1551
www.RepublicServices.com
FINANCIAL INSTITUTION
NOBLE CREDIT UNION
FINANCIAL INSTITUTION
VALLEY FIRST CREDIT UNION
(559) 225-7228 645 W. Herndon Ave Suite 100, Clovis, CA www.valleyfirstcu.org
FUNERAL
Boice Funeral Home
308 Pollasky Ave (559) 299-4372
www.boicefuneralhome.com
Clovis Funeral Chapel
Family owned and operated HOME CLEANING
Peak Cleaning Home & Window Cleaning
CALL TODAY! (559) 421-5957
www.peakcleaningco.com
INFORMATION
Tarpey Depot Visitor’s Center
SERVICES
I.V. TREE SERVICES
17 YEARS EXPERIENCE
Residential - Commercial
Fully Insured - CA State - Lic#978186 • Trimming • Topping • Prune • Palms • Stump Grinding • 55’ Boom Available
FREE ESTIMATES!
Ismael (559) 395-6757
SERVICES
CLOVIS ROUNDUP NEWSPAPER
ADVERTISE IN OUR BUSINESS AND SERVICE DIRECTORY STARTING AS LOW AS $25
CALL NOW AT (559) 324-8757 OR EMAIL US AT INFO@ CLOVISROUNDUP.COM
Which Mortgage is Right for You?
NOBLE CREDIT UNION
@NobleCUFresno | Sponsor
Not all mortgages are the same, and it’s important to understand the benefits and disadvantages of each mortgage type before purchasing a home. This article will explain each mortgage type individually and provide pros and cons for each.
Conventional Mortgage
No bells, whistles, or fine print here. A conventional mortgage is a standard loan that isn’t backed by the Federal Housing Administration (FHa).
It is the most straightforward type of loan that gives you the money you need to buy a house, which is paid back over the life of the loan, usually during 15, 20, or 30 years.
Conventional loans usually require you to purchase private mortgage insurance. It’s an insurance policy that covers your lender in case you cannot pay the money back. That can increase the overall cost of your loan, but conventional loans usually require less borrowing and lower closing costs than other types – even if the interest rate is slightly higher.
Fixed-rate (Conventional) Mortgage
If you’re the type of person who values stability, you’ll probably want a fixed-rate mortgage.
It ensures that your mortgage payments will remain the same throughout the life of the loan, no matter how market conditions change. You’ll essentially “lock in” whatever interest rate your lender offers when you sign on your loan, and you’ll keep that interest rate until your loan is paid in full.
If interest rates fall drastically, you may even be able to refinance your mortgage at a lower rate (as long as you’re willing to pay loan costs again).
While you might end up paying a higher interest rate overall, a fixed-rate mortgage gives you the peace of mind that you’ll always know what you owe each month. Most fixedrate loans last for 15, 20, or 30 years, and they are a low-risk way to build equity and credit over time.
Adjustable-rate (Conventional) Mortgage
Interest rates pretty much change daily, and if you’re willing to assume some of the gamble, an adjustable-rate mortgage could result in lower interest costs. It’s a mortgage that is subject to market conditions and the interest rates set by the Federal Reserve. If interest rates fall, you’ll owe less each month. If interest rates rise, so does your monthly payment.
Most lenders “lock in” your low interest rate for one, three, seven, or even ten years, after which you’ll be subject to market fluctuations. Some lenders even allow you to “cap” how high interest rates affect your payment. Still, you’re left at the mercy of the Federal Reserve and your payment could become unaffordable if rates skyrocket.
Government-issued Mortgage
If you need a mortgage but your credit score isn’t high enough to qualify for a conventional loan, you might be able to get a government-issued loan.
It’s basically where the FHA promises to pay back your lender if you default, which reduces some of the risks to your lender. In exchange, they loosen some of the credit requirements so individuals with lower scores can qualify. It’s also a good option if you have less cash on hand for a down payment since you can qualify with as little as 3.5 percent down.
Government-issued mortgages require a lot of documentation to prove that you can and will pay back the loan. They often have higher costs when compared to traditional loans because you’ll have a mandatory insurance premium included (which you’ll pay annually).
The government also offers specialty loans for veterans (VA loans) or those living in low-income areas (USDA loans), but you’ll have to meet special requirements to qualify.
Jumbo Mortgage
Thinking of buying a more expensive home? You might need a “jumbo” mortgage. It’s what lenders call a mortgage above the government’s “conforming mortgage limits,” or the amount the FHA has determined that traditional loans cannot exceed. Because home values vary across the United States, the maximum limit depends heavily on where you live.
If you need a jumbo loan, you’ll have to prove that you assume most of the risk and are a safe bet for your lender, since your jumbo loan won’t be insured by traditional policies. Your lender will require extensive documentation to prove that you have enough savings and a steady income. You’ll also need a high credit score of above 700 to get the most competitive rates and a down payment between 10 and 20 percent at least.
Looking for more information? Noble Credit Union offers a variety of financial articles, interactive calculators, and virtual coaches that will help you get set to owning your next home.
Noble Credit Union, a Forbes Best-in-State Credit Union, has been treating each member with kindness, dignity, and honor while helping members make sound financial decisions for 81 years. The Credit Union offers members full access to a wide range of financial education and services, including low-rate auto loans, MyRewards Visa credit card, mortgage and equity loans, online and mobile banking, and more. For more information about membership at Noble Credit Union, call (559) 2525000 or visit NobleCU.com.
CR File Photo
The Noble Credit Union Clovis branch is located on 175 N Clovis Ave. between Sierra and Herndon Ave.
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Clovis Roundup Community Newspaper . 15
CONTRIBUTED
Clovis Rodeo Association
The Clovis Rodeo Association honored two lifelong friends and dedicated Clovis Rodeo volunteers as the Grand Marshals of the 108th Clovis Rodeo.
Lifelong friends, Brian Avery and Larry Parker met at Weldon Elementary School in the Fifth Grade.
Both graduated from Clovis High School and grew up attending the rodeo, eventually volunteering and also serving on the Association’s Board of Directors.
“There aren’t a whole lot of memories I have as a kid growing up around this rodeo that don’t include Brian and Larry.” said Ron Dunbar, President of the Clovis Rodeo Association Board of Directors.
“You couldn’t meet two more dedicated rodeo volunteers who gave so much of themselves to build this rodeo and still remain active volunteers today.
We tip our hats to a couple of the nicest cowboys we know that we are really glad to be able to call our friends.” he continued.
Born in St. Louis Missouri the Avery family moved to Clovis in 1952. For Brian, growing up in Clovis meant there were now two important days in his life, his birthday and the Clovis Rodeo.
After graduating from Clovis High, he worked in construction and eventually started selling real estate for Charlette Blakley Born.
His lifelong career in real estate and development was focused on helping to build the community of Clovis with projects like
Courtesy of the Clovis Rodeo Association
Larry Parker and Brian Avery are the 108th Clovis Rodeo Grand Marshals.
the Old Town Station at Clovis Avenue and Fourth Street.
While on the Rodeo’s board of directors Brian was instrumental in helping to build the rodeo hall and bringing the first concert to the rodeo that included headliners Hank Williams Jr. and Johnny Paycheck.
Since his retirement Brian and his wife Tish have pursued their passion for travel, including sailing on a catamaran throughout the Caribbean for five years and visits to their favorite destination, Africa.
Larry Parker was born in Clovis in 1945 to Dorvin and Ann Parker.
Some of his fondest memories were spending time with his grandparents Frank and Mary Carrea on their ranch located at Temperance and Nees Avenues.
After graduating from Clovis High, he was drafted into the military and served his country in the US Army for three years before returning to Clovis and marrying his wife, Karen. He worked for Stewart and Nuss in the ready-mix division for most of his career.
He served as a member of the rodeo association board of directors and to this day remains an active volunteer member.
Retirement has been filled with plenty of travel and spending time with their family that includes daughter Misty, her husband Brant and granddaughters Anna and Brooke.
Brian and Larry were each presented with the Grand Marshal’s traditional cowboy hat and belt buckle during the Clovis Rodeo this past weekend.
