Real Estate Loans


Whether you are looking to purchase or refinance, including cash out, let Service 1st Bank assist you. We offer a full range of mortgage loans (directly and indirectly), through a third party financing partner ensuring that your needs will be met. Construction financing is also available.

  • COMMERCIAL REAL ESTATE PERMANENT LOANS
    Service 1st Bank provides various options for long-term financing of commercial projects. Products include fixed and variable rate loans with up to 30-year amortization and a maximum advance of 90% of value.
    • Farrell Griswold Farrel Griswold
    Vice President
    Commercial Capital Manager
    Stockton
    209-644-7817
    fgriswold@service1stbank.com

  • COMMERCIAL REAL ESTATE MINI-PERM LOANS
    For clients that only need short-term financing, we offer cost effective "mini-perms" that are amortized up to 30-years with a maturity up to 10-years. The loan term is structured to meet your needs.

  • COMMERCIAL REAL ESTATE JUNIOR LIEN LOANS
    Have a current first mortgage loan with either an attractive interest rate or a significant prepayment penalty that makes refinancing impractical? Ask us about a 2nd deed of trust loan to provide you with the necessary cash out.

  • RESIDENTIAL 1st MORTGAGES
    We provide access to a wide range of first mortgage loans.

  • RURAL RESIDENTIAL LOANS
    Service 1st Bank has developed a unique first mortgage loan product for parcels that are 10 acres or greater. Having trouble finding an institutional lender willing to finance that type of property? Contact Us.

  • HELOC
    We offer home equity lines of credit, either as a first or junior lien, on owner and non-owner occupied properties.

  • HOME EQUITY LOANS
    We offer fixed, monthly payment loans secured by a junior lien that can be used for various consumer purposes.
Dana Bagley Frank Medo
Dana Bagley
Assistant Vice President
Relationship Manager
Stockton
209-644-7829
dbagley@service1stbank.com		 Frank Medo
Vice President
Relationship Manager
Lodi
209-333-5002
fmedo@service1stbank.com

Steve Mizuno
Steve Mizuno
 Senior Vice President
Manager
Tracy
209-820-7924
smizuno@service1stbank.com