A street of a fancy, high end neighborhood.

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

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 looking to take advantage of low interest rates Customers planning to move 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: Helps homebuyers with low down payments for purchase or refinance VA Loan Program: Benefits Veterans or their unmarried spouses, including those deceased from service-related causes
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	Allows you to take advantage of falling or low interest rates	Permanent financing can be processed during the construction period and available at building completion	FHA:Non occupant co borrowers allowed 100% gift allowed UFMIP can be financed VA:No down payment, seller can pay off debt to borrower, no monthly mortgage insurance, 100% gift funds allowed
Property Type	1-4 unit primary residence, second homes ok	1-4 unit primary residence, second homes ok	Residential	Primary residences only

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	1-4 unit primary residence, second homes ok
Adjustable Rate Home Loan	Customers looking to take advantage of low interest rates Customers planning to move 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	1-4 unit primary residence, second homes ok
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	Residential
FHA/VA Loans	FHA Loan Program: Helps homebuyers with low down payments for purchase or refinance VA Loan Program: Benefits Veterans or their unmarried spouses, including those deceased from service-related causes	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:Non occupant co borrowers allowed 100% gift allowed UFMIP can be financed VA:No down payment, seller can pay off debt to borrower, no monthly mortgage insurance, 100% gift funds allowed	Primary residences only

Please note: This information is accurate as of March 15, 2023. 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.