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Personal Real Estate Loans

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
Features	Learn More Here Inquire Now	Learn More Here Inquire Now	Learn More Here Inquire Now	Learn More Here Inquire Now
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 Ask a representative for details	Varies with program Ask a representative for details	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	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 Free eStatements	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 March 15, 2023. 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.