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



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.