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| CalPERS Member Home Loan Program |
| CalSTRS Home Loan Program |
| First-Time Homeowners with Low to Moderate Incomes |
| Down Payment Assistance and Low Down Payment Options |
| Reverse Mortgages |
| Purchase and Refinance Options |
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CalPERS Member Home Loan Program
The CalPERS Member Home Loan Program offers unique benefits to over 1.4 Million Members throughout California. Eligible members include active, inactive or retired members of CalPERS, Legislators' Retirement System (LRS) and Judges' Retirement System (JRS). Members enjoy reduced fees*, competitive interest rates, and special programs. These options make financing available to members who may not have qualified for a mortgage loan outside of the Program. (*Call for Details.) Learn More CalPERS
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CalSTRS Home Loan Program
The CalSTRS programs offers unique benefits to members of the CalSTRS Retirement System throughout California. Whether you are dreaming of buying a new home, lowering your existing payments, or taking cash out, the CalSTRS Home Loan Program can help by offering competitive rates on a variety of mortgage loan programs. Learn More CalSTRS
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First-Time Homeowners with Low to Moderate Incomes
Sierra Pacific Home Loans, Inc. understands how much you want to own your first home. We also realize how difficult that can be. That is why we offer low interest rate first mortgage programs and a variety of down payment assistance programs to eligible first-time homebuyers, which can turn your dreams of homeownership into reality. Call one of our trained loan officers today. Also, see Down Payment Assistance and Low Down Payment Options below.
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Down Payment Assistance and Low Down Payment Options
In conjunction with the First-Time Homeowners with Low to Moderate Income program above, Sierra Pacific Home Loans, Inc. offers Down Payment Assistance Programs for Low to Moderate Income borrowers. The programs can be used together to provide up to 100% financing and up to 3% more to help with closing costs. We also work the various Housing Finance Agencies throughout California that offer Down Payment Assistance. If you have not owned a home in last three years you may be considered a first-homebuyer. The definition of low and moderate income is determined by the area where is property is located. You need to check this out. Turn your dreams of homeownership into reality. Call one of our trained loan officers today.
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Reverse Mortgages
This is the mortgage thay pays you! Reverse mortgages can be a great way for homeowners who are 62 years of age or older to access equity in their homes. There are no income or health requirements and no monthly mortgage payments. Loan proceeds can be used however you wish and may be received as a lump sum, as a monthly payment or as a line of credit. To learn more call one of our Loan Officers.
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Purchase and Refinance Options
Sierra Pacific Home Loans, Inc. offers a complete line of products for purchasing or refinancing your home, including Conventional, FHA, VA, USDA RD, CalPERS, CalSTRS, CalHFA, ACCESS, FirstHouse and others. The mortgage market is continuing to change frequently. Call one our Loan Officers for the options that are currently available.
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