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Stearns Home Loans

in Home Purchase Mortgages

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Stearns Home Loans

Unaffiliated

in Home Purchase Mortgages

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Overview

Where does Stearns Home Loans do business?

Stearns Home Loans is a direct lender based in Santa Ana, CA. The company was founded in 1989 and offers mortgages to borrowers in 50 states (and Washington, DC).

How much can you borrow via Stearns Home Loans?

Stearns Home Loans allows borrowers to apply for loan amounts of up to $2,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the estimated funding time for a home loan via Stearns Home Loans?

Stearns Home Loans will typically fund mortgages within 14 and 28 days of approval.

Does Stearns Home Loans charge a mortgage origination fee?

Yes, Stearns Home Loans may charge a loan origination fee.

What mortgage programs does Stearns Home Loans offer?

Stearns Home Loans offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Stearns Home Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Stearns Home Loans allows the following property usage types: 

  • Primary home
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Other Services by Stearns Home Loans

Availability

Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Primary Home
Primary Residence
Loan Amount
$50K - $2M
$0 $2M+

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