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Home Loans

mortgage choice

Home Loans Built to Suit

If you’ve been thinking about home, we may have your perfect loan.  

Whether you are purchasing or refinancing, Oak Valley Community Bank has just the right mortgage loan for you. We offer a variety of loan programs and work closely with our clients to ensure they choose the loan that best suits their financial needs. Allow us to show you how easy buying or refinancing can be. It’s All About Choices

As a Community Bank, we have the ability to take advantage of channels specifically designed to let us work with our trusted lending partners and offer our customers very competitive pricing and an amazing variety of loan products.

  • Conventional Fixed Rate Loans
  • Adjustable Rate Loans
  • Jumbo Loans
  • FHA Loans
  • Cash-Outs
  • 1-4 Family Unit Financing
  • Non-Owner Occupied
No Closing Cost Loan Program!*

Is a no closing cost loan the right option for you? Some lenders offer no closing cost options but not all programs are the same. Ask us about refinancing with our No Closing Cost Loan Program, and we can help you determine if it’s the right choice for you.

  • No Points Option Available*
  • No Appraisal Fees
  • No Credit Report Fees
  • No Escrow Fees
  • No Documentation Fees
  • No Lender's Title Insurance Premiums
  • No Notary Fees
  • No Recording Fees
Celia Wilbur
Celia Wilbur
VP Mortgage Lending Manager
NMLS ID 728023
(209) 758-8009
Desiree Boisse
Desiree Boisse
Mortgage Loan Originator
NMLS ID 656463
(209) 343-7606

*No Closing Cost loans are subject to terms and conditions of the Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded (credited) at closing. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees. Rates and terms are subject to change. Actual rate will be determined after receipt of a completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply. Other restrictions may apply. All credit applications are subject to credit qualifications and underwriting requirements. Adequate property insurance (which may include flood insurance) is required. Mortgage Insurance may be required for loans above 80% LTV. Impounds may be required for loans above 90% LTV.

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