• “Stearns provides a broad range of products to meet our customer needs in almost any “A” paper scenario. With Stearns’ competitive pricing and good service you can build the customer base you need to be successful.”

    Kathleen, Account Executive


We follow a daily and market-specific pricing philosophy. Each day, we have Senior Level Executives analyzing market opportunities and economic conditions to ensure we remain competitively priced within each market and each product at all times.

Stearns® Products


  • FHA

  • 620 minimum FICO score

  • DTI > 43% with AUS approval

  • Streamline – no AVM required

  • ”No FICO” non-traditional credit

  • 203(k) Streamline Rehab

  • ARM Products available

  • High Balance

  • VA

  • Up to $2 M for purchase

  • Cash out available


  • High Balance

  • ARM Products available

  • Multi-Investor Jumbo Platform

  • Fixed and ARM products available

  • Up to $2.5 M

  • Conforming

  • Conventional - up to 97% LTV - ability to select Fannie Mae (DU) or Freddie Mac (LP)

  • High Balance Conforming and Super Conforming

  • DU Refi Plus and LP Open Access to 150% LTV

  • LPMI to 97% LTV

  • Conforming conventional > 40 acres at 80% LTV

  • Split Premium and Single Premium MI available

  • Transferred appraisals

  • ARM Products available

  • Hobby Farm Program available

  • FNMA Home Read 97% LTV

  • USDA

  • 620 minimum FICO score

  • Purchase, Refi options available

This is not an offer for extension of credit or a commitment to lend. Stearns Lending LLC is an FHA Approved Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the federal government.

Stearns Pricing

  • 7-day free lock extensions available

  • Free escrow waivers on most products

  • Extended lock hours

  • Float down option

  • Pricing quotes are easy to use online or via the mobile app

“Our programs are diverse and very driven by the agencies, FNMA, FHLMC, GNMA…their guidelines and we have very few overlays.”

– Erin, Account Executive

Stearns Lending is a Direct Seller:

“The Management at Stearns have an open minded attitude which is designed to continuously improve our delivery, product line and resulting customer experience. I can tell you that it works!”

– Chris, Account Executive