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Home Purchase

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Get pre-approved!

Pre-approval is the first step to a successful home purchase. After consulting with a Stearns Lending mortgage expert, you canselect the loan program that best meets your needs. Our underwriter will then issue a credit approval confirming that you meet the eligibility criteria for the loan selected. With this written commitment you can confidently shop for a property knowing that you are approved to buy. More importantly, you will know that you have selected a loan with manageable payments that will allow you to reach your financial objectives. With a Stearns Lending pre-approval, you can negotiate like a cash buyer since the seller can be sure that you are qualified to buy their home.

Get Started Now! Get pre-approved and be ready to make an offer when the right house comes on the market. The pre-approval process is fast and easy and ensures a smoother purchase process for everyone.

All you have to do is:

- Fill out quick online application, or
- Call one of our loan specialists today, then
- We’ll help you gather the necessary documentation.

Our team will get started immediately to determine which loan programs you can be approved.

Loan Choices

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 »