Real Estate Lending

  Commercial Real
Estate Loans
Single Family 
Construction Loans
Fixed Rate Home
Loans
FHA/VA Loans
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
Permanent financing can be processed during the construction period and available at building completion 

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 November 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.
 

Contact Our Real Estate Department At (559) 323-3365

Click Here For A List Of Registered Mortgage Loan Originators

Learn about other Central Valley Community Bank accounts
that can help meet your business and personal needs.
     
     




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