Exhibit A
Mortgage Brokers work in Fresno
Fresno has a steady stream of mortgage searches because the city keeps adding households and the housing stock keeps turning over. The demand splits between buyers in the older neighborhoods near downtown and the newer subdivisions pushing north toward Clovis, and it splits again between refinancing and first purchases. The firms competing for those searches are a mix of local owner operators and franchise branches with national branding behind them. Paid search in this trade in Fresno is expensive enough that most firms treat it as a supplement rather than the main channel, which leaves the organic results as the place where a smaller office can hold ground. The searches themselves are practical: rates, first time buyer programs, FHA loans, down payment help, and the names of specific Fresno neighborhoods.
