Central Valley Bank

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Central Valley Bank
507 West 1st Street
Wapato WA 98951
Tel: 509-877-6161

Discover Excellence in Community Banking...

Central Valley Bank is a premier community bank serving Washington State's beautiful and vibrant central region.

With 6 offices in Yakima and Kittitas counties, Central Valley Bank offers a full range of services including checking and savings accounts, home loans, personal loans and business loans.

Central Valley Bank is dedicated to the long-term success of our customers, employees and the communities we serve. We provide high quality products and services focused on developing long-term relationships.

Home Loans
Helping our neighbors achieve the American dream of homeownership is a tradition for Central Valley Bank. We will custom build our home loans to fit your needs.

Buying a home is one of the most important decisions you'll make. Finding the right financing is an important step in getting you there. The key to obtaining the right financing is to find the best terms as well as the best people. Our Home Loan Experts know their business and can make the process easier for you.

At Central Valley Bank, our Home Loan Experts are experienced professionals. We offer a wide variety of home loans designed to fit your home buying needs.

Applying for a loan at Central Valley Bank is easy. The first step in starting the loan process is the completion of your loan application. To make the application process quicker, we've provided a checklist of the information.

Talk to one of our Home Loan Experts today and turn your dream into reality.

Financing Options
We offer home loans for every type of homebuyer. Our Home Loan Experts match the benefits of a specific loan type with your needs and goals. Here are some of the basic financing options with brief descriptions.

Fixed Rate Mortgage
With a fixed rate mortgage you will have the same interest rate for the life of your loan. And, you can choose from a wide variety of repayment terms.

First Time Home Buyers
This loan program is designed specifically for first time homebuyers with low or moderate income. The down payment requirements are lower than traditional home loans while still offering competitive interest rates.

Adjustable Rate Mortgage (ARM)
These mortgages feature interest rates that fluctuate with the market. Generally you obtain a lower initial rate than fixed rate mortgages. That rate can rise or fall with an interest rate index usually tied to Treasury Bills. ARM payments are adjusted annually.

USDA Guaranteed Rural Housing
These loans have features that make them easier for first-time homebuyers to obtain. They offer low down payments and flexible lending guidelines.

Refinancing
Refinance your current mortgage to obtain a lower interest rate or to tap into the equity of your home. Consolidate your high interest rate credit cards, lower your term, and improve cash flow as well as use your equity for other investment purposes.

Home Equity Loans
A Home Equity Loan provides you with access to the equity in your home. Because a Home Equity Loan is secured by the equity in your home, your interest payments may be tax deductible. Please consult your tax advisor for specific information and eligibility.