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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.