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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 mortgage refinancing to borrowers in 49 statess across the USA (and Washington, DC).

What is the maximum loan term for a mortgage refinance via Sierra Pacific Mortgage?

The term of a mortgage refinance will determine the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Sierra Pacific Mortgage offers mortgages refinancing with terms ranging from 15 to 30 years.

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 home 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
  • FHA 203k
  • HARP
  • HomePath
  • 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
  • Secondary homes and vacation properties
  • Rental properties
  • Inestment properties and house flipping projects 

  • Intended Use
    • Investment/House Flipping
    • Primary Home
    • Rental Property
    • Secondary Home
  • Loan Amount
    Up to $5000000
  • Loan Term (Years)
    15 - 30
  • Terms
    5/1, 7/1, 15, 30 years
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