This is our first time dealing with Sierra Pacific Mortgage and we are very impressed. The whole process from the begging pre approval to final commitment letter and closing of the property has been wonderful. Very professional, friendly and reliable service. Our loan office Rita Valcorba has been there from the start supporting us and making the process nice, easy and smooth with no issues or headaches. The best lending experience I had so far. I will recommend them to all my friends and family and will be back again in the near future. Thank you. read more

Miss representation tied with PHH The original loan was with Sierra Pacific Mortgage. I received an email that had the Sierra Pacific Mortgage logo at the top, and then I used their online portal to sign up for my online account. The top left of the account clearly showed Sierra Pacific Mortgage, with no mention of PHH. I signed up for auto debit and digital statements, and I was under the impression that everything was handled correctly. For the first two months, my payments were successfully auto-debited, and everything seemed fine. However, three months later, I received a default foreclosure letter from PHH Mortgage, without any prior indication of an association with Sierra Pacific. My auto debit had been turned off, and I didn't receive any emails, calls, or notifications about this change. There was also no warning regarding the $900 in late fees I incurred. It wasn't until they reported late payments to my credit report that I began to put the pieces together. They are using every loophole to confuse and not notify customers who are being foreclosed upon before they notice what is going on. They have refused to remove the credit default payments and waive my fees after an hour on the phone, arguing that this is my fault because I should be monitoring my payments monthly out of my bank account, Romeo 9X2. read more

I opened a mortgage with Sierra Pacific for the purchase of our new home. Three weeks later I started receiving messages/phone calls from another mortgage company (Newrez/Shellpoint) congratulating me on our new account. I reached out to SPMC to ask if my loan had been transferred and they said yes. To be clear, I hadn't even made my first payment before the sold my loan. NO ONE FROM SIERRA PACIFIC CONTACTED ME TO INFORM ME THIS WAS HAPPENING! And, to make it even better, the company they sold my loan to has a 1.5 Star rating on BBB (plus other terrible reviews). This all tells me they have absolutely ZERO customer care or loyalty. Don't bother working with them as you are just $$$ in their eyes. read more

Thank you so much for your kind words and support! It truly means a lot to me to hear such positive feedback. I'm thrilled that you had a great experience, and its feedback like yours that keeps us motivated to keep doing our best. read more

Garrett helped me get my loan /escrow smoothly and very very quickly, He always answered my questions even on weekends. He went above And beyond for my family in the little time we had. It was an amazing experience! read more

Sierra Pacific Mortgage has, without a doubt, the worst customer service I have ever experienced. I spoke to Yvette today at the corporate office who chastised me for calling that phone. The number is listed as the "Customer Service" number. Which she denied. Like, literally, I googled it and this number is what came up. Why would I make that up? After having an absolutely terrible experience, I asked for her name so that I could reference her in a future call to show I had called with concerns. She refused and said if I was upset about the service, she was sorry, but was unwilling to give me any type of ID no. or reference information such as last name. Part of the reason I am posting this is that I am afraid she may do something unethical to my mortgage account -- the way she acted on the phone call today was incredibly unprofessional and doesn't lend to the credibility of her as an employee, or Sierra Pacific as a mortgage company. This was so incredibly frustrating. The fact that I have had similar experiences over and over with their customer service (in addition to changing who my loan is serviced by) has been awful. I am usually the type of person who is very patient and has great experiences with customer service -- I try to understand what a pain those jobs are and how cranky people can get. And yet, every time I have called for assistance, these employees have been the worst -- ever. Every time! I can't believe it. read more

If I could give negative stars I would. An absolute dumpster fire of a company filled with the most incompetent, useless, unprofessionals I've ever done business with. Loan time: 5 months, 3+ over quote Misquoted rates Increased closing costs Messed up payments to the insurance Filled taxes in the wrong county Mucked up escrow Increased mortgage year later read more

This is my third time working with Sierra Pacific Mortgage on a home loan and every experience has been great. I initially worked with a gentleman named Paul in Spokane who was hands down the best mortgage broker, he went above and beyond. When I moved to Las Vegas he connected me with Steve but offered to be there to answer any questions I may have. He treats his clients like family, which is rare anymore! Steve was also excellent to work with and handed my loan multiple times while on vaca to ensure nothing was held up or missed. Because of my experience with Paul and Steve, I will only use Sierra Pacific Mortgage for my home loans. read more

Seth Manry made our entire experience as first time homebuyers really enjoyable. We were so pleased with his communication, expertise, hard work, and ability to help with a 15 day close. The seller's agent was really sold on Seth's skills to get the close completed and that is what set us above the other offers. I would highly recommend working with Seth. We can't recommend him enough. read more

DO NOT USE. This company switches you around to different service providers should you have changes in your status that would benefit you. Example: Should you qualify for PMI removal, they'll slow down your request and then (if you'd qualify) switch your service provider before anything happens so you have to do it all over again. Such a scam. Oh, and I don't "have questions" about PMI. I'm just pointing out to others that this company switches your provider before it can be removed. I completed all the forms (which had to be sent by old fashioned postal mail according to their rules), paid for the appraisal, and had the appraiser come do their job. Two weeks after the appraisal, this company issued a letter that they were switching my mortgage service. That prevented them from having to close my PMI request. So, no questions. Just pointing out a scam that helps out the PMI companies and probably lines Sierras pockets too. All at the customer's expense. read more

Working with the Loss Draft department has been so aggravating. We had fires in my neighborhood in November (thankfully no structural damage) and there is ash thank needs to be cleaned inside and out, I need to replace insulation, etc.. etc.. My insurance company was awesome, quick turnaround to pay me out, but for some reason, Sierra Pacific has to be a co-signer on the check. No problem. But now I've been waiting maybe 1 month for them to process the check, every time I call, they never have an update, and the worst part is that my rep, Erica, has a 72-hour call back policy. This means that every time I need something or I want to check in, I have to call her, leave her a message, then wait at least 3 days for her to call me back. Literally the most aggravating thing in the world. Everything is ready to start, I just have to sit around and wait for them (who don't have to deal with any consequences) to get around to giving me my money back. So disappointed with this company, I will be refinancing and moving my mortgage as soon as I have the opportunity. read more

Joe has been very helpful and he also gave me quick response! I for sure will go back to him if I need purchase next home!

I was a first time home buyer - and worked with an agent here, and I would definitely recommend them. They were quick to respond, professional, and took time out to walk me through any issues or concerns. Very happy I went with them. read more

I am unbe lievably disappoint in this company. I did go into forbearance during COVID for several months. When I attempted to get back on track their reps simply extended my forbearance (while allegedly processing a modification). After finally getting a response (I'm sure the volume of customers was/is overwhelming) I was given a trial mod package with guidelines and deadlines to follow - I did. I was then (after waiting for 2 more months) given a loan modification! Signed and started the new payments.. here I am over 6 months later and my account is not updated (no record - on paper statement), no proof of my payments unless I call in and my packet is still processing, but don't worry. My statement that does generate says I owe thousands and and am facing foreclosure. But don't worry is the response when I call??? read more

PHH mortgage that Sierra Pacific Mortgage uses has the worst customer service! They send you false insurance letters and then will not talk to you about it or they hang up on your call with out customer service support! Get a better system!!! read more

Brian did a fantastic job communicating with us through our whole refinance process and was able to get us out of all other debts except for our home, we plan to continue working with BrIan in the future to hopefully lower our payment now but so far we are very pleased! read more

Extremely disappointment in Sierra Mortgage processing department which I'm assuming is serviced by third party. After putting 50% down payment on a house do you really think i would default on a very first payment, Cmon use some common sense. Checks were sent out, but were never processed by your third party service provider, but instead of looking at internal processing issue Sierra decided to report it as a late payment. In addition, I had called to follow-up to make sure the checks were received. Use common sense people, I wouldn't put down $200K and default on a very first payment. I wouldn't recommend this company. My loan was processed in Oak Lawn, IL read more

Paid my insurance twice. Then took it out of my escrow & increased my payment by $500. Trying to fix it for more than 6 months now read more

I literally don't understand how it's possible to be left on hold for THIS LONG in this day and age. What happened to "leave your number and we'll call you back when it's your turn?" I've called, been left on hold, apparently with the wrong department, gotten transferred, left on hold again, AGAIN the wrong department, left on hold AGAIN for over an hour before giving up. There's not even an option to leave a voicemail for this department. This is now my 3rd attempt. All I need is the address of where to send a refund check from switching home insurance companies. You'd think this would be an easy thing to find out - is it on file nowhere?? I emailed twice and the very unhelpful customer service said, "I don't know their email address." You're customer service - your job is to know this stuff, and if you don't know, find out! It just makes it even more irritating that every 30 seconds the hold music stops and a recorded message says, "Thank you for holding, we'll be with you shortly." Lies. All lies. The other issue I had was - what kind of company doesn't let you pay your mortgage online? This is 2020! Does anyone even USE stamps anymore? And to sign up for autopay, you have to MAIL in a request that takes months to process. Ridiculous. read more

If I could give 0 stars I would. It was tough to reach anyone during COVID, and now in less than a year my payment has gone up $450. It is absurd that they hide behind lousy customer reps that don't even know how to give you a direct answer and resolve issues...but they are really good at sending you from dept to dept. I questioned a rep about my escrow shortage increase...totally didn't know where the hell it came from...transferred me to the "dept that knows more" which was loss mitigation....then loss mitigation tell me "we don't handle escrow and your account looks fine"...now Im back on hold with who knows who!?!?! Like someone needs to report this company bigtime. They are playing with peoples money and homes. This call will determine if I stay with them or not. I was so happy with Bank of America. SMH!!! read more

I went through a local mortgage lender in Bakersfield, CA for a mortgage on my new home. When they assigned my mortgage to Sierra Pacific, I was hoping my loan would be sold to a larger company like Bank of America or Wells Fargo that is equipped to service mortgage loans. Nope. Sierra Pacific chose to retain the loan and service it themselves. Actually, they hired an ill-equipped third party, myloancare, to service the loan. The customer service department at myloancare is horrendous. The hold time to speak with a customer service rep. is at least 30 minutes. As I type this, I've been on hold for 1 hour and 7 minutes to speak to a rep. about an escrow refund. I'm still on hold. This company is a pain to deal with and I'm stuck with them unless I want to ante up thousands to refinance the loan, which I won't do because I don't have that kind of money lying around. read more

Covid-19: I'll spare you the hour waiting on hold. They wont do anything to help you. We will be refinancing after the pandemic to another company that cares about its customers. There will be a generic response to my review telling me to email them with more information so they can help. But they wont. They just want to appear to be willing to help. Absolutely appalled. read more

I can't say enough about Lidia Aslanian, She helped my husband and I so much with our home loan. This was our first time buying a house and she took all the fear away from it. She was there to answer any and all of our questions. Highly, highly, highly recommend Lidia. She's one of the most responsive and helpful people I've ever worked with. She is extremely knowledgeable about the entire lending process and always available to answer any questions you may have. There are so many lenders out there that make promises they don't intend to keep just to get the commission. So picking a lender can be really difficult, I KNOW! I'm really happy I called her and trust me you will too! THANK YOU LIDIA for everything! read more

We currently hold a mortgage with Sierra Pacific. They were supposed to cut a check and send it to AAA where we have our homeowner's insurance. We received confirmation from Sierra Pacific that they sent the payment but turns out, AAA never received a check and our homeowner's insurance was cancelled. We've been trying to get on the phone with someone in the Insurance Department for over a week but haven't had any luck. We've been on hold for 2+ hours throughout different times during the day. It's hard to believe that there is no one available to answer our call. This is absolutely ridiculous. My suggestion, go with a different mortgage company and stay far away!!!! read more

Terrible service, every time I call they put me on hold just to get the problem worse & worse! I wish there is something I can do to get away from them. I didn't know how terrible they are till I got stock with them. 2 hours minimum on every call 90% of the time is being on hold & the 10% is them making the issue worse!! read more

I currently hold a mortgage with Sierra Pacific Mortgage. They refuse to refinance my mortgage for a lower Annual Percentage Rate because they want their current mortgage holders to pay them more interest. Moreover, with whats going on with COVID19, their customer representative refuse to help to take the steps to apply for this mortgage relieve. The loansolutioncenter.com page does not work. When calling to the customer service number, you dont even have a chance to wait for a rep. Please dont use this company. They are horrible and only care about their money. It does not matter if you have an excellent mortgage payment history. read more

Sierra Pacific, CEO Jim Coffrini, do not waste time replying to this review. As noted from previous poor reviews, the company does nothing to remedy. The replies are to fool readers into thinking they will fix situation. Sierra Pacific is an atrocious mortgage company, its appalling they are still in business. Months after a loss claim on our home, we still await Sierra Pacific to ENDORSE the insurance check. Not write check, not pay for loss, not vest in any way to fix; simply ENDORSE. Yet they stall & hide behind the poorly trained, inexperienced customer reps. If you have any other mortgage company to choose from I implore you to go another route. We decided after several failed attempts to get resolution, we are going to remortgage with Ifc Mortgage for both our homes. read more

Was told I had a rate locked for a refinance, filled out all the paper work, than I got the final discloser a quarter point higher? I had to close since I moved out of my place to remodel and I didn't have the time to shop around for another loan. PASS on this bank, they lie. read more

Someone that lives with me filed for bankruptcy and Sierra pacific mortgage put my loan in bankruptcy!!! WTH and I can't reach anyone in that department cause I want proof that they are going to reverse it!! That person is neither on my deed or loan and now I could lose my home. I will be making formal complaints to have this company investigated! It caused me exhausting stress! How could they make such a huge mistake and not respond and on top of that hung up on me!!!! I am very angry about the whole situation!! Does this make any sense with a mortgage company? Irresponsible!!! read more

Sierra Pacific Mortgage i don't recommend them for your house mortgage. The worst customer service I'm always on hold at least 20 minutes at a time. They ask for all this documentation before realeasing your funds from an insurance settlement when I've been fighting for 10 months with insurance just to get my funds that are owed to me. my check has been sitting in my escrow account and their name has been taken off the check since Nov 5 2022 and funds still aren't released. I've dealt with enough being from Louisana with the past two hurricanes in 2020. The process takes 7 to 10 to review your concern which is entirely too long. I've been dealing with the same issue since Nov 5 2022 and nothing has been resolved. I keep goin back and forth with the same issue over and over again and can never talk to somebody directly about the issue always a customer service rep to try and get a for sure answer. I just want my funds released so I can get this past me. SPM needs to see what I've been thru the last two years and what I've had to deal with but nobody from CORPORATE seems to care. the FUNDS are in MY Name and should be released directly to me. they have all paperwork saying contractor has been paid in full and 90 percent inspection report complete! DO NOT USE SIERRA PACIFIC MORTGAGE. they are quick to take your money but when you need money released they have your submit all kinds of paperwork and go thru a series of steps causing a lengthy processing phase. I pay my mortgage every month in a timely manner I don't see why they can't do the same. I've had to come out of pocket to get the house fixed to 100 percent with prices rising due to the economy. this company doesn't understand what I've had to deal with. trash company read more

Don't read any other reviews and just stop considering working with this company. If there is a mistake they will make it. If there is a business ethical line to cross, they will cross it. I have had a mortgage with them for 5 years because the shady agent we used had them do the loan. They have been so horrible to work with. read more

I have worked with Pacific mortgage since 2011 when we bought our first house. Since then we purchased another home and refinanced three times, including the recent refinance due to low interest rates. Through our home owning journey we've used Christopher Long to assist us with the home loans and refinancing. Christopher has been an amazing person to work with. He keeps things very simple and easy for us during a very confusing process. I highly recommend Christopher and his team.. read more

I just closed an escrow with a buyer I represented and John Easterbrook from Sierra Pacific Mortgage did the loan. Even though the appraisal was slow to come back John still closed the deal in 21 days. His team was awesome. I would recommend them to anyone looking for a home loan. Katie Mack Broker read more

Absolute WORST customer service. Extremely disorganized company as a whole. Will be re-financing through a different lender. Stay as far away as possible!!!!! read more

I would like to give this fraudulent, dishonest company zero stars but I can't. This company was supposed to pay my taxes out of my escrow which they didn't. Got notified by my county that last year's taxes were overdue and now in collections. Spent 2 hours on phone trying to explain the simplest of things on how its in my mortgage payment. I was told it will take 2 weeks for them to investigate. I'm ok with that although I thought 2 weeks was excessive as the collections agency is now listing me as the responsible party for payment so affecting my credit. 2 weeks goes by finally get to talk to someone who says they agree they are at fault nothing for me to do they will handle it and payment has been sent overnight shipping to pay it. One week later collection agency or county hasn't received any payment. I call again another hour talk explaining the entire situation again. Once again told payment will be sent overnight FedEx that day...... well since I'm still typing you can probably guess where this is going. YEP no payment received days later. I called again another hour explaining it again. This time I was told to try and submit more paperwork so I don't have to keep explaining everytime I call. That should have been a red flag for me but I fell for it. I was told I would hear something the following day.... well here we are again I'm still typing so that means I got no return call. So I call again this time I request a supervisor she says payment is being sent so I tell her I want something in writing stating payment is sent. They can't give anything like that but she assures me after over an hour on phone with her that I will be getting call the following day.... Well I'm so sick of typing but unfortunately you guessed it no return call. So once again I call back ask for supervisor Judith I'm then told that they can't do that I'll get supervisor but can't guarantee it be her.... well isn't that great so the person I spent over an hour with again but have her name I can't talk to. So my time is wasted yet again and have to explain this all again to another person. But you guys can probably guess what I'm told ... " we are sending the check overnight fedex today" and once again they couldn't supply me with anything in writing saying they have paid it. So being extremely suspect of this company I contacted the collection agency and county the following day..... this is getting old isn't it? Because you guessed it they didn't receive anything from them. I call back again now I'm past point of keeping my cool once the different guy tells me " we don't overnight checks " Since then I have filed complaints with BBB and their response was we will contact you ASAP.... That was 2 days ago from writing this review ... if you were lucky enough to guess they haven't contacted me you win! This started in September, I received a letter from them beginning of October saying they were at fault and there was nothing I had to do. It is currently Dec 2 and NOTHING has been done. So long story long. If you kept up with me all the way to this point it should be obvious about my feelings towards this company. I can't stress enough STAY AWAY!! read more

Horrible company. Promised in writing a specific rate and the day of the appraisal backed out based on information we provided in our first email to them. read more

Terrible Mortgage Company. Provides less than minimum staff and support. Horrible rates, agents who get clients through deception and deals with real-estate agents because they have no other way of getting clients. Horrible website. Boilerplate Reponses via email. I will forever hate my agent for pairing me up with this terrible corporation. read more

I was referred to this company by a friend and I wanted to refinance my house through them. I started the process with a loan agent names Joseph and in the beginning he was very professional and then he stopped responding after I summited all my information. I'm so glad I decided to go with PRIM they were very professional and they made me feel 100% comfortable when refinancing my home. This company sucks please don't waste your time! read more

SPMC wasted six weeks of my time, in a dishonest "we just need one more document/one more day" kind of way. Eventually, they let the rate lock expire and added an extension fee, so I gave up. Instead, a local company got me funded in less than three weeks--at a lower interest rate. In short: stay away. read more

I had the misfortune of choosing Sierra Pacific Mortgage as a lender 3 years ago. During our initial underwriting, after we had locked rates, Sierra Pacific pulled out of the deal due to a trivial easement that was not only insured, but common in major metropolitan areas. I lost the rate lock and ended up having to go with another lender at a higher rate. Despite this issue, after a refinance, I ended up back with Sierra Pacific Mortgage. Fast forward 3 years, at which point I'm now at the required loan to value ratio to remove PMI. The process of removing PMI has been an absolute nightmare. As is mentioned in other comments, their servicer LoanCare's customer service is a complete joke. Their sole purpose is to be frustrating enough that you simply give up. Most problematically, Sierra Pacific changed the PMI removal terms from their initial disclosures. I would strongly recommend avoiding Sierra Pacific Mortgage. Cross them off your list completely, especially if you're in a position where you need PMI. There are so many lenders out there with comparable rates, it's just not worth it. read more