Welcome to Central Valley Community Bank

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	Commercial Real Estate Loans	Single Family Construction Loans	Fixed Rate Home Loans	FHA/VA Loans
Loan Designed For:	Construction and permanent financing packages are available for professional office, rental, apartments, warehouse and industrial properties	Purchase of a lot and construction of your own home	Stable, long-term payments Customers who want to stay in their home more than 7 years	FHA Loan Program is designed to assist home buyers in acquiring property with small down payments and can be used to purchase or refinance an existing mortgage. VA Loan Program is designed for Veterans who served in the military, served with acceptable character of service or is the unmarried spouse of a deceased Veteran who died while in service or of service connected issues.
Amount of Loan:	Varies with program. Ask a representative for details	Varies with program. Ask a representative for details	Conventional to $417,000 Jumbo loans available	Varies with program. Ask a representative for details
Terms:	Varies with program . Ask a representative for details	Varies with program. Ask a representative for details	Varies with program. Ask a representative for details	Varies with program. Ask a representative for details
Interest:	Construction loans: variable tied to prime Permanent loans: competitive fixed or variable rate programs available	Fixed and variable rates	Fixed rate for the term of the loan	Fixed and variable rates Buy downs are also available for interest rates
Benefits:	Local lending decisions mean we work with you to assist you in achieving your business lending needs Small Business Administration (SBA) loans are available, which offer low down payments and competitive interest rates for owner occupants	Assistance with mortgage financing during the construction process Because your construction loan is administered locally, inspections and discernments are handled quickly and efficiently Ability to have your new home custom built to your specifications	Stable, fixed house payments for the life of the loan Wide choice of loan products available	FHA Loan Program Benefits: Non-occupant Co-Borrowers allowed 100% Gift funds allowed Non-traditional credit accepted Minimal cash investment required UFMIP (Up Front Mortgage Insurance Premium) can be financed into the loan VA Loan Program Benefits: No down payment, 100% up to $417,000 Loan Amount Seller can pay off debt to borrower No monthly mortgage insurance premiums 100% gift funds allowed

Please Note: This information is accurate as of February 2013. Central Valley Community Bank
reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.