Sierra Pacific Morgage

Sierra Pacific Mortgage

'Your Lender for Life'

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Sierra Pacific Mortgage, as a branch of Sierra Pacific Mortgage Company, Inc. is a mortgage banker and offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Purchase and Refinances for owner occupied, second homes and investment properties Government loans, including FHA and VA (IL and WI only at this time) Conventional/Conforming loans up to $359,650 for a single family residence 10, 15, 20, 25 & 30 year amortized conforming fixed rate loan products 6 month LIBOR ARM, no negative amortization, with interest only payment option for the first 10-years! Jumbo/Non-Conforming loans up to $4,000,000 Monthly Adjustable Rate Mortgages (ARMS) with payment options: minimum payment, interest only, fully amortized 30-year payment or fully amortized 15-year payment Interest-only option on 30 year conforming & jumbo, 3, 5, 7 and 10 year ARM's 1, 3, 5, 7 and 10 year ARMs First time home buyer programs, including down payment assistance available to qualified applicants 100% financing Home Equity lines of credit as well as closed end seconds Debt Consolidation loans No income, no asset or no document verification loans Non-owner occupied/Investment property loans A full range of Alt-A & subprime loan products including 100% financing



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 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 $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.