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Home Loans

mortgage choice

Home Loans to Suit Your Needs

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 are committed to providing our customers with a variety of competitively priced loan products - including no cost and low cost options!* We are able to do this by working closely with a channel of trusted lending partners.

  • Fixed Rate Loans
  • Adjustable Rate Loans
  • Jumbo Loans
  • FHA Loans
  • USDA Loans
  • Low Cost and No Cost Options*
  • Cash-Out Refinance
  • 1-4 Family Unit Financing
  • Investment Property
  • Second and Vacation Homes


Celia Wilbur
Celia Wilbur
VP Mortgage Lending Manager
NMLS ID 728023
(209) 758-8009

*Low and No Closing Cost options include certain costs which will be paid by the lender. These options may not be available for all loan types. No Closing Cost options may require you pay an application fee upfront. This fee will be fully refunded as a credit when your loan closes. If your loan is denied, or does not close for any reason, this fee will not be refunded. Contact us for additional information on the specific costs and fees paid by the lender. Loans with low and/or no closing costs typically have slightly higher interest rates. Loans with lower interest rates may be available to you if you are willing to pay points and/or fees.

Programs, rates, and terms, are subject to change. Your actual rate will be determined after receipt of a completed application and prior to execution of loan documents. Other conditions and restrictions may apply. All credit applications are subject to credit approval. 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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