Stearns Wholesale
Products & Pricing

Stearns® Products

  • Conforming

  • Conventional – up to 97% LTV with Fannie Mae (DU) and 97% LTV with Freddie MAC (LP)

  • High Balance Conforming and Super Conforming

  • DU Refi Plus and LP Open Access to 150% LTV

  • LPMI to 97% LTV

  • Conforming conventional > 40 acres at 80% LTV

  • Split Premium and Single Premium MI available

  • Transferred appraisals

  • ARM Products available

  • Hobby Farm Program available

  • No score programs

  • Manual underwrites


  • USDA

  • 620 minimum FICO score

  • Purchase, Refi options available

  • FHA

  • 580 minimum FICO score

  • DTI > 43% with AUS approval

  • Streamline – no AVM required

  • ”No FICO” non-traditional credit

  • 203(k) Streamline Rehab

  • ARM Products available

  • High Balance

  • No score programs


  • VA

  • Up to $2 M for purchase

  • Cash out available


  • High Balance

  • ARM Products available

  • No score programs


  • Multi-Investor Jumbo Platform

  • Fixed and ARM products available

  • Up to $2.5 M

This is not an offer for extension of credit or a commitment to lend. Stearns Lending LLC is an FHA Approved Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the federal government.

Stearns® Pricing

  • 7-day free lock extensions available*

  • Free escrow waivers on most products

  • Extended lock hours

  • Float down option

  • Easy online and mobile app pricing quotes

* Certain restrictions apply; see guidelines for full details.

with Stearns

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Stearns Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law. © 2019 Stearns Lending LLC. All Rights Reserved