Selling Central California - Aradhana Bhandary

09/18/2026

The Federal Reserve raised its benchmark rate by 0.25 percentage point on September 16, bringing the target range to 3.75%–4.00%.

What does that mean for Fresno and Clovis real estate?

First, the Fed does not directly set mortgage rates. Fixed mortgage rates are influenced by Treasury yields, inflation expectations, economic data, and investor demand. Freddie Mac reported the national average 30-year fixed mortgage rate at 6.95% on September 17, up from 6.76% the week before.

For buyers, this is the time to update your preapproval and review the complete monthly payment, including taxes, insurance, mortgage insurance, and HOA dues where applicable.

For sellers, current financing costs make accurate pricing, presentation, and negotiation strategy more important. Depending on the property and loan program, a seller credit or rate buydown may be worth evaluating.

The right decision is not based on a headline. It is based on current numbers, the property, and your financial position.

Read the full Fresno and Clovis market explanation: https://sellingcentralcalifornia.com/fed-rate-increase-fresno-clovis-housing-market

Aradhana Bhandary, REALTOR®
California DRE 02121126
https://sellingcentralcalifornia.com

09/06/2026

Thinking about buying or selling a condo in Fresno or Clovis?

There are some important Fannie Mae and Freddie Mac condo financing changes that buyers and sellers should know about in 2026.

The biggest shift is that lenders are looking more closely at the condominium project itself — not just the buyer.

That means things like HOA reserves, insurance, special assessments, delinquent dues, deferred maintenance and overall project eligibility can affect whether conventional financing works.

A few important points:

• Limited and streamlined condo reviews were retired in August 2026
• HOA reserve requirements remain at 10% in 2026
• That minimum is scheduled to increase to 15% for applicable loans beginning January 4, 2027
• Some investor-related rules have become more flexible
• HOA financial health and insurance are becoming even more important in the lending process

For buyers, the lesson is simple: review the HOA early.

For sellers, it’s smart to understand potential financing issues before your condo hits the market.

I put together a practical guide explaining what these changes mean for condo buyers and sellers in Fresno, Clovis and the Central Valley.

Read the full article here:
https://sellingcentralcalifornia.com/fannie-mae-freddie-mac-condo-rules-fresno

Aradhana Bhandary, REALTOR® | SRES®
Fresno • Clovis • Central Valley
[[email protected]](mailto:[email protected])

New Fannie Mae and Freddie Mac condo rules affect project reviews, HOA reserves and financing. See what Fresno and Clovis buyers and sellers should know.

09/06/2026

Did you know?

NAR Delayed Marketing Rule: What Fresno & Clovis Home Sellers Should Know

The National Association of REALTORS®’ Multiple Listing Options for Sellers policy includes a Delayed Marketing Exempt Listing (DMEL) option.

What is a Delayed Marketing Exempt Listing?

A seller may choose to delay public marketing of a home through IDX and syndication while the property is still filed with the MLS and available to MLS participants.

The amount of time public marketing may be delayed is determined by the local MLS, not by NAR as one nationwide time period.

Sellers who choose this option must provide informed consent acknowledging that they understand the benefits of immediate, broad public exposure they are choosing to delay.

NAR’s Clear Cooperation Policy remains in effect.

For homeowners considering selling a home in Fresno, Clovis, or the Central Valley, this makes the listing-launch strategy even more important.

Before putting a home on the market, sellers should understand:

• What listing options are available locally
• How much public exposure each option provides
• When the property will appear on public real estate websites
• Which marketing approach best supports their specific selling goals

If you are planning to sell a home in Fresno or Clovis, understanding these options before your property goes live can help you make a more informed decision about how your home is introduced to the market.

Aradhana Bhandary, REALTOR®
Fresno | Clovis | Central Valley Real Estate

08/27/2026

NEPAL NEEDS US RIGHT NOW 🇳🇵

Nepal is the country of my birth, and today my heart is incredibly heavy.

The devastating floods have taken lives, displaced families and left communities facing unimaginable loss. And this tragedy reaches far beyond Nepal’s borders.

Tourists and visitors from around the world are also reported missing, including people from India, the United States, Australia, Italy, New Zealand and other countries, alongside many Nepalese who remain unaccounted for.

Behind every missing person is a family somewhere waiting for a phone call. A mother. A father. A husband or wife. Children and friends desperately hoping for good news.

This is no longer just Nepal’s tragedy. It is a human tragedy.

Rescue teams and communities urgently need support, and the need will continue long after the headlines disappear.

If you are able to help, please consider donating directly to the Government of Nepal’s Prime Minister’s Natural Disaster Relief Fund. The portal accepts international credit and debit cards:

https://pmdrf.nchl.com.np/

No contribution is too small. And if you cannot donate, please share this message. Someone in your circle may be able to help.

Nepal has welcomed travelers from around the world into its mountains, villages and homes for generations.

Today, Nepal needs the world. 🇳🇵❤️

Please donate. Please share. Please pray for those still waiting
https://pmdrf.nchl.com.np/

08/20/2026

If this isn’t uplifting, I don’t know what is.

08/18/2026

Did You Know AI Can Help Find Fresno Homes? Read all about here :

https://sellingcentralcalifornia.com/blog/ai-home-search-fresno-clovis

08/11/2026

My latest post on LinkedIn :

California home prices are stabilizing, but the real story is happening in Fresno. While coastal markets like Los Angeles and San Francisco face extreme pricing and tight inventory, the Central Valley is undergoing a major affordability reset. Here are 3 key takeaways from current housing market dat...

08/07/2026

Announcing specialized physician relocation real estate services for Fresno County, California. Aradhana Bhandary is a physician spouse and Moving Medicine Partners affiliate, serving as a dedicated resource for physicians relocating to Fresno, Clovis, and Madera.

Why work with a specialized healthcare Realtor? Medical professionals need real estate support that aligns with residency hours, fellowship programs, and hospital call schedules. Drawing on 35 years of personal experience as a physician spouse, Aradhana B. provides seamless relocation support from contract to closing for physicians joining UCSF Fresno GME residency programs and Community Medical Centers.

Key services include:

Comprehensive long-distance and out-of-state relocation support
Home searching and offer timelines scheduled around medical shifts
Local market guidance for housing near UCSF Fresno GME, Community Medical Centers, and surrounding medical facilities

For full details on physician real estate services in Central California, visit sellingcentralcalifornia.com

06/08/2026

Can I actually buy a home?

Can I actually buy a home?It's one of the most common questions I ...

06/01/2026

Something important landed on my radar and I would be doing you a disservice if I did not share it with you today.

The U.S. Department of Labor launched Make America AI-Ready, a free 7-day AI literacy course delivered entirely by text message. Text READY to 20202 to enroll. A Fresno Realtor explains why it matters for homebuyers and sellers.