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Where does Sierra Pacific Mortgage do business?

Sierra Pacific Mortgage is a direct lender based in Folsom, CA. The company was founded in 1986 and offers mortgages to borrowers in 50 states across the USA (and Washington, DC).

How much can you borrow via Sierra Pacific Mortgage?

Sierra Pacific Mortgage allows borrowers to apply for loan amounts of up to $1,500,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What range of rates does Sierra Pacific Mortgage offer?

Sierra Pacific Mortgage offers home loans with APRs starting at 3.5% .

Does Sierra Pacific Mortgage charge a mortgage origination fee?

Yes, Sierra Pacific Mortgage may charge a loan origination fee.

Does Sierra Pacific Mortgage charge prepayment fees?

Yes, Sierra Pacific Mortgage charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What mortgage programs does Sierra Pacific Mortgage offer?

Sierra Pacific Mortgage offers the following mortgage programs:

  • Conventional mortgages
  • FHA
  • USDA
  • VA

What property usage types does Sierra Pacific Mortgage allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Sierra Pacific Mortgage allows the following property usage types: 

  • Primary home 

  • Institution Type
    Direct Lender
  • Intended Use
    Primary Home
  • Primary Residence
  • Estate/Trust/Retirement
  • Loan Amount
    Up to $1500000
  • APR
    Starting at 3.5%
  • Terms
    15, 20, 30
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