Sierra Pacific Mortgage is a DIRECT lender. This means we originate process, underwrite and close in our name. It takes a tremendous amount of financial strength to achieve this level of lending. And… this also means we can offer the lowest possible rates to our customers because we have in fact eliminated the "Middle Man." Below you will find a short list of our mortgage products and features.

USDA "Rural Development Guaranteed Mortgage"

  • Up to 100% Financing
  • Up to 6% seller concessions (Higher is some circumstances)
  • Very Low Mortgage Insurance

VA Veterans and Spouses of Veterans

  • Up to 100% Finaning
  • No Mortgage Insurance
  • Up to 4% seller Concessions

FHA Federal Housing Administration

  • 3.5% down payment required


  • Generally 5% down
  • Lender paid MI available

Terms for these loans are fixed for 30, 20, 15 or 10 years.

Equal Housing Lender