Routing Number: 321280237

Mortgage & Home Equity

Unlock your home's potential with Sierra Pacific Mortgage. Enjoy low mortgage rates, expert guidance in home buying, and affordable Home Equity Lines of Credit for your home improvement projects.

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Mortgages

A Home To Call Your Own

A lot goes into homebuying, and at Sierra Pacific we do our best to make the process a little smoother. 

Free pre-approvals with no commitment required. No credit pulls until you’re ready. An application that can be finished in 10 minutes or less. You own the homebuying process from start to finish.

For a limited time, we will reimburse up to $800 of appraisal costs on your new home purchase!* Homes are expensive enough, and we’re happy to help in any way we can.

At Sierra Pacific, our competitive rates mean a lower monthly payment, less interest paid over time, and eliminating excessive fees.

Each of our mortgages feature competitive, low rates and customizable terms to match your unique situation. Secure your financial future with a Sierra Pacific mortgage today.

How much could you save? View our Current Rates or send us a message on our contact page!

Buying a home is the largest single purchase most will ever make, and Sierra Pacific is here to help guide you through the entire mortgage process. You’ll never have to wonder what comes next. 

Once you submit your application, one of our mortgage experts will follow up with you within three business days. Whether you're buying down the block or crossing state lines, our experts are available to answer any and all questions you have.

We strive to streamline your home financing journey as much as possible. Our mortgage program can help you secure your:

  • Fixed-Rate Mortgages
  • Adjustable-Rate Mortgages
  • VA Loans
  • Refinances
  • USDA Loans
  • FHA Loans

Home Equity Line of Credit

More Than A House

Your home is an incredible source of equity, and a Home Equity Line of Credit (HELOC) taps into your home’s value, so you can realize its full capabilities.

HELOCs provide the funds you need, when you need them, at better rates than almost any credit card or personal loan. Unlock your home’s potential with Sierra Pacific.

Let’s get started.

Whether you're planning a big remodel to boost your home’s value or suddenly find yourself in need of a new roof, a HELOC at Sierra Pacific makes covering those big-ticket expenses no sweat.

What will your HELOC do?

  • Home Appliance Upgrades
  • Roof Repair & Replacement
  • Bedroom Renovations
  • Bathroom Remodels
  • Deck & Patio Expansions
  • Landscaping Projects

Ready to experience the possibilities?

Didn’t find what you were looking for and need a little more information? Send us a message on our contact page, or stop by any of our branches!
SierraPacific_Mortgage_HELOC
*Appraisal value up to $800 will be credited after loan closure for qualifying new purchase loans. See CU for details. Credit eligibility and other criteria apply. For current rates, see credit union. Federally insured by NCUA. Equal Housing Lender. NMLS #439918.†APR = Annual Percentage Rate. Rate and monthly payments are for illustrative purposes only. Payment example: borrower to pay $1,477.72 per $300,000 borrowed at 6.25% APR, monthly for a term of 30 years compared to $1,719.39 borrowed at 7.75% APR, monthly for a term of 30 years. Payments do not include escrow for taxes and insurance. The payment obligation may be greater if escrow applies. Individual rates and terms may vary based on down payment, Loan-to-Value, credit history and credit score. Credit eligibility and other criteria apply. For current rates, see credit union. Federally insured by NCUA. Equal Housing Lender. NMLS #439918.

Home Loan Rates

Last Updated: September 16, 2024

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Home Equity Line of Credit

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Up to 240 Months

Variable Rate Loan

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First Mortgages 30 Year

Rate: 5.875%

*APR: 6.084%

30 Year Fixed Rate

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First Mortgages 15 Year

Rate: 5.000%

*APR: 5.246%

15 Year Fixed Rates

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Residential Construction Loans

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None

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We offer competitive, low rates and customizable terms that work with your unique situation.