From buying a new home to refinancing, we'll guide you to a solution that fits your needs.

^{*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 $150,000. 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. Example: First Mortgage Loan–Purchase a parcel of land with a loan amount of $150,000 and an estimated value of $200,0000, with a 25% down payment equal to $50,000. The parcel of land is 10 acres in Yuba City, CA. The assumed credit score is 700. At an 7.25% interest rate, the APR for this loan type is 7.785%. The payment schedule for a 15-year loan would be approximately $1,369.29 (Principal and Interest) per month. The example was based on 70% LTV. This program allows 75% LTV up to 5 acres and 70% LTV up to 10 acres. We reserve the right to correct printing errors. Membership is 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}