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It has been said that the only constant in life is change. Your life has probably changed a lot since you first bought your home. If yesterday’s mortgage isn’t meeting today’s needs, it may be time to refinance.

With a Stearns Lending mortgage refinance you can:

- Get cash out
- Consolidate your debt
- Improve your rate and terms
- Eliminate private mortgage insurance (PMI)
- Switch rate terms (from adjustable to fixed)

Best of all, refinancing your mortgage can help you do the things you have always wanted to do -- like starting a home business, taking the family on vacation or buying that cabin on the lake. Maybe you want to replace the roof, add a bathroom or install new kitchen cabinets. Whatever your goals, Stearns Lending will help you reach them.

In This Section

Cash Out Refinance
With home values at an all time high, a cash out refinance allows you to use your hard earned equity to improve your financial position. Call today to learn more about our cash-out options. More »

Fixed Rate Mortgage
In uncertain times, many people appreciate the certainty of a fixed rate mortgage. Click here to see how you can benefit from the peace of mind a fixed rate offers. More »

Adjustable Rate Mortgage (ARM)
If you are looking to for a lower rate and payment, an adjustable rate loan could be just the answer you need. A Stearns Loan Specialist can help you determine if an ARM meets your needs. 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. Find out how you can take control of your financial future. More »

Interest-Only Mortgage
An interest-only payment can make it possible to get cash and lower your payment at the same time. Most Stearns loans offer an interest-only option. Call today and see how you can reach your goals. More »