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Home Purchase
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Buying and owning a home
For most people buying their home will be the biggest investment they ever make. That means selecting the right mortgage is a critical financial decision.
We can help you choose the loan that best fits your budget and financial goals. That way, your home becomes a powerful tool for building a secure financial future for you and your family.
Remember, a less than perfect credit history doesn’t have to prevent you from becoming a home owner. In light of the tax advantages of home ownership, you may be able to afford a home for the same amount you now pay in rent. Let us help you overcome your credit challenges and move into a home of your own.
Learn More
– Get pre-approved!
– Should I consolidate my debt?
– What is a bad credit home loan?
– How much of a home loan can I qualify for?
– How much would I save by using an adjustable rate? Is it worth it?
– How much can I save in taxes?
– What will my monthly payment be?
– Should I rent or buy my home?
Loan Choices
Zero Down Loan
We offer a wide array of zero down payment loan programs. Some even allow for financing of closing costs. Consult a Stearns Lending expert to determine which 100% financing option is right for you. More »
Pay Option Adjustable Rate Mortgage (ARM)
The ultimate in financial flexibility. Stearns Option ARM’s offer payment rates as low as 1% and give you the power to determine the right payment for you. Call us today to find out how you can take control of your financial future. More »
Fixed Adjustable Rate Mortgage (ARM)
If you are looking to for a lower rate and payment, an adjustable rate loan could just be the answer you need. Talk to a Stearns Lending loan specialist to find out if an ARM meets your needs. More »
Fixed Rate Mortgage
In uncertain times, many people appreciate the certainty of a fixed rate mortgage. Click here to learn how you can benefit from the peace of mind a fixed rate offers. More »
Interest-Only Mortgage
With home prices at an all time high, an interest only payment can go a long way towards making homeownership affordable. Most Stearns loan programs include a feature for an interest only option. Call today and see how you can afford to own. More »
