Home Loans

First Mortgages

Make Your Home Loan Payment Home Loan Servicing Center

Payment Link

Home Equity Loan or Lines of Credit

Our home equity lines of credit really rock.

  • 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.

Couple making a house shape with their hands

My First Home Loan

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.