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Joseph A Schaffer

Branch Manager | Senior Loan Advisor | Victorville – Desert Community Bank, California

License/Certifications: NMLS 870863


Office: 760.493.8928

Cell: 760.617.1386

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Home > About Us > Our Team > Joseph A Schaffer

My Story

Desert Community Bank helps individuals and families with homeownership through our Destination Home Mortgage* program. This program offers low to no down payment options for purchases and offers renovation options with a home purchase.

Features and Benefits:


  • No down payment options on purchases


  • Competitive interest rates


  • Flexible qualifying criteria with minimum credit score of 600 required


  • No mortgage insurance required


  • Renovation option available with purchase


  • A range of fixed rate terms available to choose from


Desert Community Bank helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. During the mortgage process, our advisors show clients new ways of looking at affordability that take everything they care about into consideration.


Our Loan Advisors do extensive work upfront to determine the best financing structure in each particular client situation. Through years of experience and industry knowledge, our advisors have the ability to anticipate and avoid potential obstacles, giving clients confidence and peace of mind throughout the process.


Desert Community Bank offers a full-range of competitively-priced loan programs and is knowledgeable in lender guidelines so we can match the best loan program to each client’s unique situation and needs. Our underwriters are well versed in local markets and we fund loans in-house, maintaining complete control to ensure fast turn-times and a smooth loan process.

Contact me to learn how I can help you with your real estate financing needs.

*Primary residence only. Area restrictions apply. Renovations are not available for refinances. Some restrictions may apply. This is not a commitment to lend. Programs available only to qualified borrowers.  Subject to credit approval, underwriting approval, and lender terms and conditions.  Programs subject to change without notice.  Homeownership education may be required

Branch: Victorville – Desert Community Bank

12530 Hesperia Rd, Suite 102

Victorville, CA 92395

Phone: 760.493.8977


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