IMPORTANT ANNOUNCEMENT - Local Roots. Expanded Possibilities.
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From buying a new home to refinancing, we'll guide you to a solution that fits your needs.
Home Equity Line of Credit (HELOC)
2/2 Adjustable Rate Mortgage Loan - ARM
Fixed interest rate for the first 2 years, adjusts every 24-months for the remaining loan term.
- Low introductory rate
- Up to 97% loan-to-value for purchase and rate/term refinance of primary residence
- Up to 90% loan-to-value for purchase and refinance of 2nd home
- No pre-payment penalty
- Primary residence and 2nd homes eligible
- 20 and 30 year terms
From Loan to Home
Home purchasing has a lot of steps and can be emotional at times; We were in good hands and never felt alone through the process.
Home Lending Resources
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Your Real Estate Lending Experts
Mortgage Calculator
Home Equity Line of Credit
Home Loans
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Your Real Estate Lending Experts
Member promotions for every stage of your journey.
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, 1% origination fee, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $832,750. 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% downpayment 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 an introductory rate of 5.25%, the APR for this loan type is 6.767%. The initial payment for the first two years is $883.53 (Principal and Interest) per month followed by 24 payments at $882.62 (Principal and Interest) per month followed by 311 payments at $883.53 and 1 payment at $1,028.71. 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, 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
5/1 Adjustable Rate Mortgage Loan - ARM has a fixed interest rate for the first 5 years and adjusts every 12-months for the remaining loan term.
- Low introductory rate
- Up to 97% loan-to-value for purchase and rate/term refinance of primary residence
- Up to 90% loan-to-value for purchase and refinance of 2nd home
- No pre-payment penalty
- Primary residence and 2nd homes eligible
- 20 and 30 year terms
From Loan to Home
Home purchasing has a lot of steps and can be emotional at times; We were in good hands and never felt alone through the process.
Home Lending Resources
Your Real Estate Lending Experts
Mortgage Calculator
Home Equity Line of Credit
Home Loans
Your Real Estate Lending Experts
Member promotions for every stage of your journey.
*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, 1% origination fee, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $832,750. 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% downpayment 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 an introductory rate of 6.125%, the APR for this loan type is 7.015%. The initial payment for the first five years is $972.18 (Principal and Interest) per month followed by 299 payments at $1,062.49 (Principal and Interest) per month followed by 1 payment at $1,062.52. 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, 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