couple standing in front of new home

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 an enjoyable experience. 


Mindy Martin
Mindy Martin
Vice President,
Mortgage Relationship Manager
NMLS #841610
(209) 386-0708
Kathy Stonecipher
Kathy Stonecipher
Vice President,
Residential Construction Loan Officer
NMLS #938101
(559) 625-8704
Loan Options

Central Valley Community Bank is offering home loan refinancing at the lowest rate in years! Lower your interest rate and monthly mortgage payment. Now is the time to talk to one of our experienced Real Estate specialists and take advantage of a customized refinance loan to fit your individual needs.

Need a loan for a home that you are planning on staying in for more than seven years? Consider a Fixed Rate Home Loan, with stable long-term payments and a fixed interest rate that won’t change for the life of the loan. We have a wide range of loan products available from Conventional and Specialty financing, to Jumbo loans, Reverse Mortgages and more. 

Whether you’re purchasing your first home, acquiring investment property, or thinking about getting a second home, talk to a Real Estate Specialist today to get a customized loan package that will fit your individual needs.

Learn More about Fixed Rate Home Loans

If you’re planning on moving in the next few years or need a lower initial payment, an Adjustable Rate Home Loan may be the option for you. Adjustable Rate Home Loans could have lower interest rates at the start of the loan and may allow you to take advantage of falling rates and lower monthly payments.

Like the name of the loan, the rate can vary from month to month depending upon the financial index. If the rate goes up, your monthly payment will increase, and if the rate goes down then your monthly payment will decrease. Talk to a Real Estate specialist today for the solutions and guidance you need to make the right loan choice for you.

Learn More about Adjustable Rate Home Loans

Since Central Valley Community Bank’s founding in 1980, we have helped our customers build their dream homes through every conceivable economic upturn and downtown. We’re here for the long haul, ready to finance construction loans all with local decision-making, unmatched expertise and friendly service.

Not only do we offer a range of loan options from single family to commercial construction loans and more, our Real Estate specialists have years of experience behind them and will walk you through the construction process from start to finish. Talk to a Real Estate specialist today for the solutions and guidance you need to make the right construction loan choice for you.

Learn More about Single Family Construction Loans

Are you a first time homebuyer or in need of refinancing your current home? You may qualify for an FHA loan, which has less stringent and more flexible qualification requirements than a conventional loan and may require less of a deposit down. 

We also offer VA Home Loans that provide significant savings and other advantages exclusively for U.S. veterans and active duty military personnel. With a VA Home Loan, there are no down payments, no monthly premiums, fewer credit requirements and easier loan qualifications – it’s just our way of saying thanks for what you’ve already given for our great country!

Talk to one of our experienced Real Estate specialists today to see if you qualify for an FHA or VA loan. We’ll help you put together a customized loan package that will fit all of your individual needs.

Learn More about FHA and VA Loans