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^{*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 $806,500. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Example: First Mortgage Loan – Purchase a property with a loan amount of $250,000 and an estimated value of $250,000. The property is in Yuba City, CA. This program allows for 100% financing. Mortgage Insurance is not required. The assumed credit score is 600. At a 6.75% interest rate, the APR for this loan type is 6.895%. The payment schedule for a 15-year loan would be approximately $2,212.27(Principal & Interest) per month. The example was based on 100% LTV. 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}

^{*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, 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}‍

^{*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.}

^{*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 $806,500.    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% down payment 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, 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}

^{*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, 1.25% origination fee, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $806,500.    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% down payment 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 a 7.125% interest rate, the APR for this loan type is 7.466%. The payment schedule for a 15-year loan would be approximately $1,077.95 (Principal and Interest) per month. The example was based on 80% LTV and program allows up to 97% LTV. We reserve the right to correct printing errors. Membership is 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}