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Home Purchase
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How much can I save in taxes?
Interest paid on a mortgage is tax deductible if you itemize on your on tax return. So are the points that are paid to lower your interest rate. Use this calculator to determine how much you could save in income taxes. Click on the "View Report" button to view your results in detail.
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 »
