Built for Families. Designed for the Future.
Expert Guidance for Every Step of Your Homeownership Journey
Helping first-time buyers, growing families, and investors navigate real estate and mortgage decisions with clarity and confidence.
Support at Every Stage of Homeownership
Whether you’re buying your first home, upgrading for your family, or planning your next move, I provide clear guidance and tailored solutions so you can make smart decisions without feeling overwhelmed.
Home Buying Guidance
Clear step-by-step support from first conversation to closing day.
Mortgage & Financing Options
Personalized loan strategies designed around your goals, not one-size-fits-all solutions.
First-Time Buyer Support
Education-focused guidance to help you understand the process, costs, and opportunities before you commit.
Long-Term Planning & Strategy
Helping you think beyond the purchase so your home supports your future, not just today.
Local Market Expertise
Insight into neighborhoods, pricing, and timing so you can buy with confidence.
How Can We Help You Today?
We help individuals and families confidently buy, refinance, or sell their homes by providing clear guidance and a straightforward process. Our approach is built around listening to your goals and delivering personalized support so you can move forward with clarity and confidence.
Purchase A Home
Find your perfect home with listings that fit your style and budget. We guide you every step with expert advice and local know-how.
Refinance A Home
Unlock savings and better terms with refinancing options tailored to your needs. We make the process easy and stress-free, every step of the way.
Sell A Home
Sell your home with confidence using smart pricing, strong marketing, and local market expertise. We guide you through every step to help you maximize value and move forward smoothly.
Schedule a Free, No-Obligation Visit Today
Founder & Real Estate Advisor Elevate JMX LLC
Michael Gifford
Phone: +1 559-246-9901
Email: [email protected]
Email: [email protected]
DRE: 02270789
NMLS: 2731623
Explore Programs
Loan Programs Available
FHA Loans
FHA loans are ideal for first-time buyers with low down payments or lower credit scores, offering a government-backed path to homeownership.
Conventional Loans
Conventional loans often require a higher down payment, typically ranging from 5% to 20%, along with stricter credit score requirements of 620 or above.
VA Loans
VA loans, backed by the Department of Veterans Affairs, provide no down payment options and favorable terms for veterans, active-duty members, and eligible spouses.
DSCR Loans
Invest in rental properties with no income verification DSCR loans use property cash flow, not personal income. Fast, flexible financing for investors.
Self-Employed Loans
Self-employed loans (non-QM) help those with variable income buy homes, often requiring higher down payments but still offering flexible terms.
Reverse Mortgages Loans
Reverse mortgages help homeowners 62+ turn home equity into cash, with no monthly payments and repayment due when they leave the home.
Second Mortgages Loans
A second mortgage lets homeowners borrow against home equity in addition to their first mortgage. It’s a way to get cash for renovations, debt, or other needs.
Explore Your Home Financing Numbers
Mortgage Payment Calculator
Enter your details in each field, then review the estimated principal and interest payment. This tool is for planning only and does not constitute a loan approval or offer.
Mortgage Payment Calculator
Estimate your monthly mortgage payment with taxes, insurance, and HOA.
This calculator is provided for educational and illustrative purposes only and does not constitute a commitment to lend. Actual payment amounts, interest rates, and terms may vary. Please consult with a licensed mortgage professional for an accurate, personalized quote.
Purchasing Power Calculator
Fill in your financial information as accurately as possible, then review the estimated price range. Results are estimates for educational purposes only and are not a commitment to lend or a mortgage approval.
Purchasing Power Calculator
Estimate the price of a home you may afford based on a target monthly payment.
This purchasing power calculator is an estimate for educational purposes only and does not guarantee loan approval or specific terms. Actual affordability depends on full underwriting, credit profile, income, and other factors. Please speak with a licensed mortgage professional for personalized guidance.
Blogs
The Top 5 Mortgage Mistakes to Avoid
Buying your first home can be both exciting and nerve-wracking at the same time. With so many things to consider and...
Mortgage Do and Do not list
Mortgages can be tricky, and it's easy to make mistakes that can end up costing you dearly. That's why we've put together this list....
Tips On How To Improve Your Credit Score
Let's talk about some ways you can improve your credit score! Your credit score is actually a big deal, and it can affect...
Location
655 Minnewawa Ave Suite 1495 Clovis, CA 93613
© Copyright 2026
Elevate JMX LLC
NMLS# - NMLS# 1660690 | 3100 W Ray Road #201 Office #209 Chandler, AZ 85226
NEXA Mortgage LLC is an Equal Housing Lender
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov
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