Home Loans

Up to 750 off sierra central fees for a limited time. Purchase a home or refinance with a sierra central real estate loan.

Purchase a home or refinance with a Sierra Central Real Estate Loan.

Thinking about buying a home or refinancing your current home loan? Think Sierra Central! If you’re looking to purchase your very first house, feel it’s time to upgrade to a new home or looking to refinance your existing home loan, let Sierra Central help work that plan.

Now thru June 30, 2022, offering up to $750 off Sierra Central fees* on first mortgage applications.

*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. Contact a SCCU representative for details, including more specific information about third-party fees. Rate, terms and fees subject to credit approval and can change at any time without notice. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within a range of rates and depend on a variety of factors, including evaluation of your credit worthiness, income and other factors. Membership open to all that live, work, worship or attend school in any branch location county. Membership and/or participation fees may apply.

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If you’re looking for a home loan lender who understands your financial situation and your personal goals, let Sierra Central Credit Union help you with your home loan process.

Request to be contact to start the process today: 

Please choose your preferred Sierra Central branch location.

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Call Us Today at 1-800-222-7228, Option 4!

  • Fixed rate payment terms available
  • Up to 97% loan-to-value with PMI (Private Mortgage Insurance)
  • Interest Rate remains the same for the life of the loan
10 Terms Every Home Buyers Should know Protect Your Home From Foreclosure Sierra Central Rate Lock Policy

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  • Variable rate payment terms available
  • Loans or Lines of Credit from $10,000 up to $100,000
  • Loans secured by first or second deed of trust
  • Low or no cost loan fee options
  • Or a small balance Home Equity Loan with minimal fees and low APR*

Payment Example: $50,000.00 line of credit balance at an estimated variable APR of 4.0%, monthly payment as low as $369.84.

*payment example shown based on a $100,000.00 line of credit and an estimated APR=Annual Percentage Rate. Actual APR may vary. Payment example does not include amounts for taxes and insurance, and that actual payments may be greater. Stated rate is based on home equity line being in second lien position. All loans subject to credit approval ans some restriction may apply. Rates, fees, terms and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions.

My First Home Loan

Couple in front of sold sign
A lot of first-time home buyers are concerned they won’t qualify for a mortgage because they won’t meet the necessary requirements. 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

  • Adjustable Rate Loan
  • Fixed rate loan
  • Loan-to-Value up to 97%

*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. Consult a tax advisor. Subject to property valuation. Property insurance is required. Flood insurance may be required. We reserve the right to correct printing errors.