6.625
%
6.78
%
$
N/A

FRAUD ALERT

Sierra Central members are receiving calls/texts from fraudsters claiming to be from Sierra Central.

Details Here

FRAUD ALERT

Sierra Central members are receiving calls/texts from fraudsters claiming to be from Sierra Central.

Details Here

FRAUD ALERT

Sierra Central members are receiving calls/texts from fraudsters claiming to be from Sierra Central.

Details Here

You are leaving Sierra Credit Union

Links to non-Sierra Central websites are provided solely as pointers to information that may be useful to SierraCentral.com users. Sierra Central has no control over the content on such websites.

Sierra Central makes no warranties, either express or implied, concerning the content of such linked sites, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Sierra Central warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination.

Sierra Central does not guarantee the authenticity of documents on the Internet. Links to non-Sierra Central sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. The privacy policies of Sierra Central Credit Union do not apply to linked Websites. Please consult the privacy disclosures on such sites for further information.

20yr Fixed Rate Mortgage
Fixed Rate Mortgage (20-Year)

20yr Fixed Rate Mortgage

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.

Whether 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.

  • First Home
  • Next Home
  • The Perfect Home
  • 20 Year - Competitive rates with fixed payment options for your peace of mind
  • Jumbo Fixed Rate - Our Jumbo loan offers borrowing power above conforming loan limits
  • Stable Monthly Payment- Knowing your principal and interest will remain the same for the life of the loan
6.625%
Rate
6.776%
*APR as low as
*APY as high as
  • Contact a mortgage specialist today!

Learn more
Apply Now

Financial Product Calculator

How much can I afford?
This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Calculator Results

Based on the information entered, the total amount that you can afford to pay on your car, taxes, and document fees is:

*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 $766,650.  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 6.875% interest rate, the APR for this loan type is 7.031%. The payment schedule for a 20-year loan would be approximately $1,228.50 (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 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