Home loan questions
How do I know if I qualify for a home loan?
What are prepaids?
In what areas do we lend?
If I have any question regarding loan payment or servicing, who do I contact?
Do I have to be a US Citizen or a US Permanent Resident to be eligible for a mortgage loan?
Do I have to receive income within the US to be eligible?
Credit reports
What is a credit report and why is it important?
How do I order a credit report?
Finding the right home loan
What type of loans does Desert Community Bank offer?
What is a Hybrid Adjustable Rate Mortgage loan?
Which loan is best for me?
Down payments
How do I determine the amount of my down payment?
Interest rates
What is the difference between an interest rate and an annual percentage rate (APR)?
What is the difference between fixed-rate and adjustable-rate mortgage?
Home loan insurance
What is homeowner's insurance?
Closing on your home loan
What happens at closing?
What is the total amount I will pay for closing costs? What do these costs include?