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Card Central...Now Available!

Get the card controls you need!

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Card Central...Now Available!

Get the card controls you need!

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Home Equity Line
Home Equity Line of Credit

Home Equity Line

It's your home and your home equity!

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.

  • 25 year term
  • 10 year draw period
  • 15 year repayment period
  • Primary residence property
  • Our HELOC on investment properties in a first lien position up to $100K
  • Variable rate payment terms available
  • Loans secured by first or second deed of trust
  • Low or no cost loan fee options
8.75%
Rate
9.25%
*APR as low as
*APY as high as
  • Find the funds you need to make improvements to your properties and use them for any purpose.

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Apply Now

Financial Product Calculator

How much can I afford?
This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.
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Calculator Results

Based on the information entered, the total amount that you can afford to pay on your car, taxes, and document fees is:

*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

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