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

  • LPMI to 97% LTV

  • Conforming conventional > 40 acres at 80% LTV

  • Mortgage Insurance Options

  • Transferred appraisals

  • ARM Products available

  • Hobby Farm Program available

  • No score programs

  • Manual underwrites


  • USDA

  • 620 minimum FICO score

  • Purchase, Refi options available

  • Freddie Imagin

  • Manufactured Homes


  • FHA

  • 620 minimum FICO score

  • DTI up to 50%

  • Streamline – no AVM required

  • 203(k) Streamline Rehab

  • ARM Products available

  • High Balance

  • Manufactured Homes

  • VA

  • Up to $2 M for purchase

  • Cash out available


  • High Balance

  • ARM Products available

  • 620 minimum FICO score


  • Multi-Investor Jumbo Platform

  • Fixed Products available - 15 and 30 Yr

  • Up to $2 M


  • Other

  • CalHFA Bond Program

  • Concurrent 2nds


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.

Stearns CLIENT


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. © 2021 Stearns Lending LLC. All Rights Reserved