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Purchase, Refinance, and Refinance + Cash Out

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Sierra Pacific Mortgage

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At Sierra Pacific Mortgage, we know that home loans aren’t a one-size-fits-all situation. In our over 34-year history, we’ve helped thousands of individuals find the perfect home loan based on situation and need. Based in Folsom, CA, we are family owned and serve customers in 49 states. Our commitment to helping you find a cost-effective home loan is our top priority and we’re here for you every step of the way. To learn more about us, our rich history and our dedication to our customers, visit us here at

How It Works

By partnering with Sierra Pacific Mortgage, Designing Spaces is able to offer a personalized home loan application process and a substantial savings on costs associated with obtaining a mortgage. Our dedicated Mortgage Advisors will walk you through the home loan process, and offer a free assessment of your buying power, then take you through the loan application process each step of the way.

Discover How It Works


There are an infinite number of loan types out there so it's important to understand the basics of each of them. Our Mortgage Advisors are here to assist you in selecting the right mortgage solution for both your short term and long term financial goals. Learn more today!

  • Refi - Getting a new mortgage to replace the original is called refinancing. Refinancing is done for several reasons, the most common is to obtain a better interest term and rate.
  • Cash Out - Perhaps you paid in cash to strengthen your original offer, or maybe the rising market has built up equity that you'd like to use in paying off some of your bigger expenses. And with today’s interest rates, there’s no reason not to.
  • Purchase - Whether your first home is a loft in the city or a cottage in the country, start the home buying process with Sierra Pacific Mortgage. We'll find you the best loan tailored to your financial needs.
  • Low Interest Rates - In today's market, home values are up and rates are low—making it the perfect time to consult with a Sierra Pacific Mortgage professional to see if you qualify for a better rate.
Learn More


Curious to see what options you have as far as affordability, use the calculator below or reach out to one of our Mortgage Advisors to find out more!



Get Started

What kind of loan do you need?

Purchase a home


Refinance + Cash Out

Please enter your name

First Name

Last Name

What is the best phone number and email address to contact you about your loan?

Phone Number

Email Address

What is the address of the home you'd like to purchase?





What is your target purchase price?

Purchase Price

What is your estimated home value?

Estimated Home Value


Thank you for completing your inquiry! One of our team members will reach out to you shortly with next steps. If you'd like to speak with someone sooner feel free to reach out to our team directly.

1-800-844-6032 Email