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Whether you’re looking to purchase your very first house, feel it’s time to upgrade to a new home, or looking to refinance your existing home loan, let Sierra Central help work that plan.
Contact a mortgage specialist today!
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $766,650. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Private mortgage insurance is required for loans over 80% LTV and are subject to certain restrictions for approval. Example First Mortgage Loan. Purchase a property, with a loan amount of $160,000 and an estimated property value of $200,000, with a 20% down payment equal to $40,000. The property is in Yuba City, CA. The property is an existing single-family residence and will be used as a primary residence. The assumed credit score is 740. At a 6.875% interest rate, the APR for this loan type is 7.031%. The payment schedule for a 15-year loan would be approximately $1,426.97 (Principal and Interest) per month. The example was based on 80% LTV and program allows up to 97% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
Whether you’re looking to purchase your very first house, feel it’s time to upgrade to a new home or looking to refinance your existing home loan, let Sierra Central help work that plan.
Contact a mortgage specialist today!
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees and closing documentation fees. Maximum loan amount of $766,650. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Private mortgage insurance is required for loans over 80% LTV and are subject to certain restrictions for approval. Example First Mortgage Loan. Purchase a property, with a loan amount of $160,000 and an estimated property value of $200,000,with a 20% down payment equal to $40,000. The property is in Yuba City, CA. The property is an existing single-family residence and will be used as a primary residence. The assumed credit score is 740. At a 6.875% interest rate, the APR for this loan type is 7.031%. The payment schedule for a 20-year loan would be approximately $1,228.50 (Principal and Interest) per month. The example was based on 80% LTV and program allows up to 97% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
Whether you’re looking to purchase your very first house, feel it’s time to upgrade to a new home or looking to refinance your existing home loan, let Sierra Central help work that plan.
Contact a mortgage specialist today
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $766,650. APR =Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Private mortgage insurance is required for loans over 80% LTV and are subject to certain restrictions for approval. Example First Mortgage Loan. Purchase a property, with a loan amount of $160,000 and an estimated property value of $200,000, with a 20% down payment equal to $40,000. The property is in Yuba City, CA. The property is an existing single-family residence and will be used as a primary residence. The assumed credit score is 740. At a 6.875% interest rate, the APR for this loan type is 7.107%. The payment schedule for a 30-year loan would be approximately $1,051 (Principal and Interest) per month. The example was based on 80% LTV and program allows up to 97% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
Elevate your real estate portfolio with our Jumbo Real Estate Loan today!
Flexibility and financial support you need to make a substantial real estate investment, with an experienced team dedicated to guiding you through the process.
Fixed Rate Mortgage Jumbo – Purchase, Rate/Term and Cash-Out
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $1,500,000. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Example First Mortgage Loan. Purchase a property, with a loan amount of $800,000 and an estimated property value of $1,000,000, with a 20% down payment equal to $200,000. The property is in Yuba City, CA. The property is an existing single-family residence and will be used as a primary residence. The assumed credit score is 700. At a 7.00% interest rate, the APR for this loan type is 7.067%. The payment schedule for a 30-year loan would be approximately $5,322.42 (Principal and Interest) per month. The example was based on 80% LTV. The program only allows up to 80% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202.
Our experienced team is dedicated to guiding you through the process to provide you with the flexibility and financial support you need to make a substantial real estate investment.
Fixed Rate Mortgage Jumbo – Cash-Out
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $1,500,000. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Example First Mortgage Loan. Purchase a property, with a loan amount of $800,000 and an estimated property value of $1,000,000, with a 20% down payment equal to $200,000. The property is in Yuba City, CA. The property is an existing single-family residence and will be used as a primary residence. The assumed credit score is 700. At a 7.00% interest rate, the APR for this loan type is 7.067%. The payment schedule for a 30-year loan would be approximately $5,322.42 (Principal and Interest) per month. The example was based on 80% LTV. The program only allows up to 80% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202.
Unlock the potential of your property with our Lot Real Estate Loan today.
Higher loan amounts and larger acreage may be considered on an exception basis.
Subordinate financing not available
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $150,000. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Example: First Mortgage Loan – Purchase a parcel of land with a loan amount of $150,000 and an estimated value of $200,0000, with a 25% down payment equal to $50,000. The parcel of land is 10 acres in Yuba City, CA. The assumed credit score is 700. At an 8.75% interest rate, the APR for this loan type is 8.970%. The payment schedule for a 15-year loan would be approximately $1,499.17 (Principal and Interest) per month. The example was based on 70% LTV. This program allows 75% LTV up to 5 acres and 70% LTV up to 10 acres. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
What is a VA Loan?
Our VA Loan is a fixed low-interest loan for U.S. military members (Active Duty & Veterans) and their families. There is no down payment or mortgage insurance required.
Significantly lower fees to borrower and relaxed credit requirements
Lower fixed interest rates and allows for higher debt-to-income ratios
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $766,650. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Example: First Mortgage Loan – Purchase a property with a loan amount of $250,000 and an estimated value of $250,000. The property is in Yuba City, CA. This program allows for 100% financing. Mortgage Insurance is not required. The assumed credit score is 600. At a 6.75% interest rate, the APR for this loan type is 6.895%. The payment schedule for a 15-year loan would be approximately $2,212.27(Principal & Interest) per month. The example was based on 100% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
What is a VA Loan?
Our VA Loan is a low fixed interest loan for U.S. military members (Active Duty & Veterans) and their families. There is no down payment or mortgage insurance required.
Significantly lower fees to borrower and relaxed credit requirements
Lower fixed interest rates and allows for higher debt-to-income ratios
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $766,650. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Example: First Mortgage Loan – Purchase a property with a loan amount of $250,000 and an estimated value of $250,000. The property is in Yuba City, CA. This program allows for 100% financing. Mortgage Insurance is not required. The assumed credit score is 600. At a 6.75% interest rate, the APR for this loan type is 6.862%. The payment schedule for a 30-year loan would be approximately $1,621.50 (Principal & Interest) per month. The example was based on 100%LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
Use that equity to finance your dreams and improve your home. A beautiful new kitchen, featuring white cabinets, quartz countertops and brass fixtures is possible with a Sierra Central HELOC.
Find the funds you need to make improvements to your properties and use them for any purpose.
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum line amount of $250,000. HELOC = Home Equity Line of Credit. APR = Annual Percentage Rate. HELOC has a 10-year draw period and then a 15-year repayment period. Not eligible for a 2nd mortgage if the 1st mortgage has a negative amortization feature. APR is based on Prime Rate as published by the Wall Street Journal plus a margin. The maximum APR is 18% for Primary Residence, Second Home, and Investment Property. The APR will never be less than 4.00% for Owner-Occupied properties, Second Home, and investment property. Maximum combined LTV (Loan-To-Value) cannot exceed 80%. The information provided assumes a 740 credit score and that the subject property will be used as a primary residence. Equal Housing Opportunity. NMLS#786202
For home improvements, debt consolidation, or major expenses. You have the flexibility in how the funds are utilized.
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $250,000. APR = Annual Percentage Rate. Not eligible for a 2nd mortgage if the 1stmortgage has a negative amortization feature. The loan program allows up to 85% combined LTV (Loan-To-Value). Combined LTV that exceeds 80% requires additional pricing. The information provided assumes a 740 credit score and that the subject property will be used as a primary residence. Example: Second Mortgage, loan amount of $250,000. The assumed credit score is 740. At an interest rate of 6.875%, the APR for this loan is 6.949%. The payment schedule for a 15-year loan would be approximately $2,229.64 (Principal & Interest) per month. The example was based at 80% combined Loan-To-Value. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
Rate Shown for a 5 year term
*All loans are subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $25,000. APR = Annual Percentage Rate. Not eligible for a 2nd mortgage if the 1st mortgage has a negative amortization feature. The loan program allows up to 80% combined LTV (Loan-To-Value The information provided assumes a 680 credit score and that the subject property will be used as a primary residence. Example: Second Mortgage, loan amount of $25,000. The assumed credit score is 680. At an interest rate of 7.5%, the APR for this loan is 7.888%. The payment schedule for a 15-year loan would be approximately $231.75 (Principal & Interest) per month. The example was based at 80% combined Loan-To-Value. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202.
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $766,650. APR =Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Private mortgage insurance is required for loans over 80% LTV and are subject to certain restrictions for approval. Example First Mortgage Loan. Purchase a property, with a loan amount of $160,000 and an estimated property value of $200,000, with a 20% down payment equal to $40,000. The property is in Yuba City, CA. The property is an existing single-family residence and will be used as a primary residence. The assumed credit score is 740. At a 6.875% interest rate, the APR for this loan type is 6.940%. The initial payment for the first two years is $1,051.09 (Principal and Interest) per month followed by 24 payments at $1,155.71 (Principal and Interest) per month followed by 311 payments at $1,656.13 and 1 payment at $1,646.13. The example was based on 80% LTV and program allows up to 97% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees, and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $766,650. APR =Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Private mortgage insurance is required for loans over 80% LTV and are subject to certain restrictions for approval. Example First Mortgage Loan. Purchase a property, with a loan amount of $160,000 and an estimated property value of $200,000, with a 20% down payment equal to $40,000. The property is in Yuba City, CA. The property is an existing single-family residence and will be used as a primary residence. The assumed credit score is 740. At a 6.875% interest rate, the APR for this loan type is 6.940%. The initial payment for the first five years is $1,051.09 (Principal and Interest) per month followed by 12 payments at $1,148.44 (Principal and Interest) per month followed by 287 payments at $1,644.61 and 1 payment at $1,644.61. The example was based on 80% LTV and program allows up to 97% LTV. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees, and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202
Minimum credit score of 620
A required 2% down payment
Maximum loan amount up to 40% of the purchase price up to $100,000
The program is designed to increase homeownership opportunities for low-to-moderate income individuals and families in California.
All borrowers are eligible
FICO scores as low as 640
Total Down Payment Assistance up to 5.5% total (based on total first loan amount)
Manufactured homes eligible
