Martinsburg WV - NMLS #969785

55 Meridian Parkway - Suite 101

Tel: 304.263.1000 - Fax: 304.263.1001

Charles Town WV - NMLS #1564363

119 West Washington Street 

Tel: 304.725.2000 - Fax: 304.725.2100

Morgantown WV - NMLS #1181886

1704 Mileground Road - Suite B 

Tel: 304.598.0000 - Fax: 304.598.0010

© 2019 Sierra Pacific Mortgage Company, INC  - NMLS #1788  (

Regional branches represented by this website are licensed to originate mortgages in WV, VA, PA, MD. These Branches Are Not Licensed in New York

  • Moises Cardenas

Why Should I Use a Mortgage Lender?

There are many reasons why you should choose a “non-bank” mortgage lender over a depository focused full-service bank. The reality is that purchasing a home is perhaps the largest single event of your lifetime and therefore choosing a laser-focused lending specialist should be on the top of your list. 

“Non-Bank” mortgage lenders specialize in one thing: Mortgage Lending

Perhaps the most significant distinction between a traditional “depository bank” and a “non-bank” mortgage lender is the overall business model that separates the two. A depository lender must, by law, carefully manage and monitor their deposits and protect them against excessive or “non-performing” liabilities. To maintain liquidity, the primary focus of the bank is generally securing new clients and their deposits.

“Non-bank” mortgage lenders on the other hand have but one objective: Providing the best mortgage solution and experience to their clients…. Period. This focus creates a field of specialists which is exactly what you want when purchasing a new home.


Working with a “non-bank” mortgage lender is like having a partner in your home buying journey. As a solutions-oriented specialist, a “non-bank” mortgage professional will almost always go out of his/her way to accommodate the schedule of their client. Knowing that you can reach your lending specialist during “non-traditional” hours creates peace of mind. Important concerns aren’t restricted to a 9-5 schedule.

Direct Lending

Sierra Pacific is a direct lender which means we take on greater responsibility and care in processing, underwriting, funding and in many cases the lifelong management of your mortgage.


Mortgage loans are not one size fits all. Every client is unique and so tremendous care and diligence is exercised to ensure the loan product meets the short-term and long-term goals of each borrower. At Sierra Pacific Mortgage we recognize that this is not a transaction but rather fulfilling the dreams of a family with a wonderful home.