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Sierra Capital offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide Conventional, FHA, VA, CalVet and HARP loans.  We specialize in helping first time home buyers as well as investment properties and FLIPS.
 
Conventional Fixed 30 year Mortgage
HARP
Conventional Fixed 15 Year Mortgage
Conventional Fixed 30 Year Mortgage for Investment Properties
Reverse Mortgage- Refinance
Reverse Mortgage - Purchase

Conventional Fixed 30 year Mortgage

 Conventional Loan program for borrowers with good to excellent credit. Owner Occupied or 2nd Home.  

Term: 30 years   Maximum Amount: $537,000

HARP

 The HARP, Home Affordable Refinance Program, can help homeowners who are upside down on their property.  To qualify, your mortgage must be current and cannot have any late payments in the last year.   You must also demonstrate that you can make the new payment.   Additionally, your loan must be owned by FannieMae or FreddieMac.  Call us to see if you qualify. 

Term: 30 years   Maximum Amount: $417,000

Conventional Fixed 15 Year Mortgage

 Conventional Fixed 15 year mortgage.  No pre-payment penalty, No Balloon payment.

Term: 30 years   Maximum Amount: $417,000

Conventional Fixed 30 Year Mortgage for Investment Properties

Fixed for the term of the loan.  No Pre-payment penalty.  No Balloon payment.

Term: 30 years   Maximum Amount: $417,000

Reverse Mortgage- Refinance
No monthly principle and interest payment due. Use this option to pay off current mortgage and/or get cash to pay off debts, education or for any reason. Borrower is still responsible for payment of property taxes and insurance. Interest accrues at current interest rate until loan is repayed.

Reverse Mortgage - Purchase
For purchasing a new home with no future mortgage payments. Usually requires 40%-50% down. Borrower is still responsible for paying property taxes and homeowner's insurance. Some restrictions apply.
RatesAPRPointsPayment
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $2,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.