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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.
Learn More
– Should I consolidate my debt?
– What is a bad credit home loan?
– Buying and owning a home
– 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 »
