Home Mortgage

For inquiries

Please contact:

(800) 562-6392

At Desert Community Bank, we are pleased to be able to offer you several Home Loan Programs to choose from. We welcome you to explore the option that is most suitable for you.

The conforming and high balance home loan programs are ideal for salaried or self-employed borrowers who can document income and assets required to qualify for the loan.

Find a loan officer in your neighborhood today to learn more about the programs or to start an application.

Program Details:
Purpose: Purchase, Refinance and Cash-Out refinance
Available Programs: Fixed Rate
Term:
  • 30 Years
  • 15 Years
Maximum Loan Amount for Conforming Full Documentation Loans*:
1 Unit $424,100
2 Unit $543,000
3 Unit $656,350
4 Unit $815,650
*High Balance loans are available in some areas that provide higher loan amount limits. Please contact a DCB Mortgage Loan Officer (MLO) for details based on your location. Maximum loan limits are determined by geographic area.
Maximum Loan to Value: Up to 95% depending on occupancy, property type and loan purpose
Occupancy: Owner‐occupied / Second Home (1 Unit) / Vacation Home / Investment
Property Type:
  • Single Family Residence (1-4 Units)
  • Condominiums (Fannie Mae warrantable)
  • Planned Unit Developments (Fannie Mae approved)
  • Townhomes
Eligible Borrowers: U.S. citizens and permanent residents, non-permanent resident aliens with a valid SSN/TIN and proof of current legal residency in the U.S.

The Bridge to Home Loan Program is designed for borrowers who do not fit into the “standard boxes” of many of the large lenders. There are various ways to qualify for the Bridge to Home Loan Program with income or assets (not including equity in subject property).

Our mortgage program features include no pre-payment penalty and flexible ARM payment options. Additionally, there is no minimum credit score required if your current history of paying bills is as agreed.

Find a loan officer in your neighborhood today to learn more about programs or to start an application.

Program Details:
Purpose: Purchase, Refinance and Cash-Out refinance.
Available Programs: 1/1 Hybrid ARM, 3/1 Hybrid ARM and 5/1 Hybrid ARM
Term: 30 Years
Maximum Loan Amount $1,500,000
Maximum Loan to Value 60%
Occupancy Owner‐occupied / Second Home / Vacation Home / Investment
Property Type
  • Single Family Residence (1-4 Units)
  • Condominiums
  • Planned Unit Developments
  • Townhomes
Eligible Borrowers: Individuals (including married or joint Applicants), LLCs, Corporations, Trusts, Foreign Nationals and Nonpermanent resident aliens allowed.

This conforming and high balance full documentation mortgage product is designed for low-to-moderate income borrowers and buyers in designated low-income, minority, and disaster-impacted communities. The product has a low down payment requirement and offers flexible qualification guidelines. Full income and asset documentation is required.

Learn more about this loan program or request a consultation with one of our designated Loan Specialists.

Program Details:
Purpose: Purchase, Rate & Term Refinance
Available Programs: Fixed Rate
Term: 30 Years
Maximum Loan Amount for Conforming Full Documentation Loans*:
1 Unit $424,100
2 Unit $543,000
3 Unit $656,350
4 Unit $815,650
*High Balance loans are available in some areas that provide higher loan amount limits. Please contact a DCB Mortgage Loan Officer (MLO) for details based on your location. Maximum loan limits are determined by geographic area.
Maximum Loan to Value: Up to 97% depending on property type and loan purpose
Income Limits:
  • No income limits for low-income census tracts
  • 100% of area median income (“AMI”) for properties located in high minority census tracts or designated disaster areas
  • 80% of AMI in all other census tracts
Occupancy: Owner-occupied
Property Type:
  • Single Family Residence (1-4 Units)
  • Condominiums (Fannie Mae warrantable)
  • Planned Unit Developments (Fannie Mae approved)
  • Townhomes
Eligible Borrowers: U.S. citizens and permanent residents, non-permanent resident aliens with a valid SSN/TIN and proof of current legal residency in the U.S.

All rates, fees, products and program guidelines are subject to change or discontinue without prior notice. Other limitations and restrictions may apply. Desert Community Bank is a division of East West Bank. All loans are subject to East West Bank’s application, underwriting, appraisal, and credit approval. Program is available in select counties of California, Georgia, Massachusetts, Nevada, New York, Texas and Washington. Cash-out refinance is not available in the state of Texas.