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)
It's your home and your home equity!
Take advantage of your equity to finance your dreams and improve your home or consolidate high interest debt.
- 25-year term
- 10-year draw period
- 15-year repayment period
- Primary residence property
- Investment property
- Variable rate
- No pre-payment penalty
- Loans secured by first or second deed of trust
- Low or no cost loan fee options
Find the funds you need to make improvements to your properties and use them for any purpose.
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, 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
Home Equity Loans - Use the equity in your home as collateral.
- 15-year terms
- Up to 80% combined loan-to-value
- Loan amounts up to $250,000
- Primary residence or investment property
- Fixed interest rate
- Stable monthly payments
- A cost-effective borrowing option
- No pre-payment penalty
For home improvements, debt consolidation, or major expenses. You have the flexibility in how the funds are utilized.
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, 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, 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
A Home Equity Loan - Use the equity in your home as collateral.
- A Home Equity Loan up to $25,000
- 5, 10, or 15 year terms
- Primary residence only
- Fixed interest rate
- Stable monthly payments
- A cost-effective borrowing option
Rate Shown for a 5 year term
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 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.