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Personalized Home Financing Solutions

Home Loans

Home
Lending
Personal Loans
Real Estate Loans

Find the Perfect Mortgage Loan with Community West Bank

At Community West 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 rates, fast decisioning and signature personalized service makes purchasing, constructing or refinancing a property an enjoyable experience.

View our Registered Mortgage Loan Originators.

We Offer A Range of Real Estate Loans

Since the 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 loan choice for you.

Meet Our Lending Team

Kathy Stonecipher

Residential
Construction Loans
Officer
NMLS #938101
559.625.8704

Clay Dickens

Manufactured
Home Loans
Senior Consultant
NMLS #481260
805.692.4429

Will Cunningham

Manufactured Home Loans Consultant
NMLS #481261
805.692.4359

Connor Dickens

Manufactured Home Loans Consultant
NMLS #2444274
805.692.4401

Thomas "Tommy" Champion

Mortgage Relationship
Manager
NMLS #2518353
559.323.3335

Stephano Geldy

Mortgage Relationship Manager
NMLS #687761
916.743.3344

Real Estate Loans

Features	Fixed Rate Home Loan	Adjustable Rate Home Loan	Single Family Construction Loans	FHA/VA Loans
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 purchasing	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 detail	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail
Terms	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail
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 handles quickly and efficiently Ability to have your new home customs 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

Real Estate Loans

Features	Designed For	Amount of Loan	Terms	Interest	Benefits	Property Type
Fixed Rate Home Loan	Stable, long-term payments Customers who want to stay in their home more than seven years	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail	Fixed rate for the term of the loan Buy downs are also available for interest rates	Stable, fixed house payments for the life of the loan Wide choice of loan products available	1-4 unit primary residence Second homes Investment homes
Adjustable Rate Home Loan	Customers who want to capitalize on low rates Customers who plan on moving within a few years of purchasing	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail	Variable rate tied to an index Buy downs are also available for interest rates	Allows you to take advantage of falling or low interest rates May provide a lower interest rate at the start of the new loan	1-4 unit primary residence Second homes Investment homes
Single Family Construction Loans	Purchase of a lot and construction of your own home, or build on a lot that you already own	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail	Fixed and variable rates	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 handles quickly and efficiently Ability to have your new home customs built to your specifications Free eStatements	Residential
FHA/VA Loans	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	Varies with program Ask a representative for detail	Varies with program Ask a representative for detail	Fixed and variable rates Buy downs are also available for interest rates	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	Primary residences only

Please note: This information is accurate as of April 1, 2024. Community West Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.