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MY FIRST HOME

A lot of first-time home buyers are concerned they won’t qualify for a mortgage because they won’t meet the necessary requirements. Sierra Central offers a great program for those just starting their credit journey making it possible to own their FIRST HOME.
Just starting out? We've got you covered!

First Time Home Loan

At Sierra Central our First Time Home Loan allows for an immediate family member* of a first-time borrower to join in the purchase and financing of a primary residence as full co-borrower. This option can possibly help a first-time borrower qualify more easily and get you into your own home.

Financing options of a 2/2 adjustable rate loan or a 30-year fixed rate loan and loan-to-value up to 97% are just a couple of the product features.
*Non-occupant co-borrower(s) must be immediate family member (parent, grandparent, or sibling). Either the occupant borrower or the non-occupant co-borrower(s) must have been an SCCU member for at least one year. Non-occupant co-borrower(s) may own a primary residence and one second home or investment property. Available for Single family only, No manufactured homes. Membership and/or participation fees required. All loans subject to credit approval and certain restrictions may apply. Rates, terms and fees effective as of the date of publication and can change at any time without notice. We reserve the right to correct printing errors.

BECOME A MEMBER and find out for yourself, why Sierra Central Credit Union
is Northern California's premier
financial institution.

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1351 Harter Pkwy
Yuba City, CA 95993
Routing # 321174770
1-800-222-7228

Consumer Fee Schedule | Business Fee Schedule | Privacy Policy | CCPA
APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

LTV = Loan to value.
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All loans subject to credit approval and some restrictions may apply. 

Payment example Auto Loan: Estimated APR of 6.49% on a loan amount of $35,000, for 60 months= Payments as low as $684.65per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.   

Payment example Signature Loan: Estimated APR of 9.74% on a loan amount of $25,000, for 60 months= Payments as low as $527.98 per month.
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Consumer Fee Schedule
Insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Sierra Central Credit Union does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex (which includes gender identity and sexual orientation), marital status or age (provided the applicant has the capacity to enter into a binding contract).
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