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Make Your Dream Come True

At Central Valley Community Bank, we know there’s no such thing as a home that’s one-size-fits-all, which is why we offer a full range of real estate financing options customized to fit your individual needs. Our competitive fixed and adjustable rate loans, fast local decisions and signature personalized service makes purchasing, constructing or refinancing your home a simple and fun experience. Call our Real Estate Department today at (559) 323-3346 to find out more about our loan options below.

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Features Fixed Rate Home Loan Adjustable Rate Home Loan Single Family Construction Loans FHA/VA Loans
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Designed For Stable, long-term payments

Customers who want to stay in their home more than seven years

Customers who want to capitalize on low rates

Customers who plan on moving within a few years of purchase

Purchase of a lot and construction of your own home or build on a lot that you already own.

FHA Loan Program is designed to assist homebuyers 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

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Varies with program

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Varies with program

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Terms

Varies with program

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Varies with program

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Varies with program

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Varies with program

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Interest

Fixed rate for the term of the loan

Buy downs are also available for interest rates

Variable rate tied to an index

Buy downs are also available for interest rates

Fixed and variable rates

Fixed and variable rates

Buy downs are also available for interest rates

Benefits

Stable, fixed house payments for the life of the loan

Wide choice of loan products available

Allows you to take advantage of falling or low interest rates

May provide a lower interest rate at the start of the new loan

Permanent financing can be processed during the construction period and available at building completion

Because your construction loan is administered locally, inspections and disbursements are handled quickly and efficiently

Ability to have your new home custom built to your specifications

FHA Loan Program Benefits:
Non-occupant co-borrowers allowed

100% Gift funds allowed. Minimal cash investment required

UFMIP (Up Front Mortgage Insurance Premium) may be financed into the loan

VA Loan Program Benefits:
No down payment. Ask a representative for details

Seller can pay off debt to borrower

No monthly mortgage insurance premiums

100% gift funds allowed

Property Type

1-4 unit primary residence

Second homes

Investment homes

1-4 unit primary residence

Second homes

Investment homes

Residential
Primary residences only

Please note: This information is accurate as of February 1, 2021. 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. View our Registered Mortgage Loan Originators.