Stearns Wholesale
Stearns Advantages

Top 11 Reasons to choose Stearns:


SNAP 2.0 allows you to generate your Borrowers' Broker disclosure package in minutes


Our Secure Online Instant Verification of Income (VOI) and Verification of Asset (VOA) tools are available on our site and are FREE


Stearns Interactive SNAP 2.0 Mobile App enables you to manage your locks on the go


Broker Marketing Tools provide personalized collateral you can brand with your logo at no expense to your bottom line


We have extended lock support hours: 6:30am-11:59pm PST/7 days per week, including Holidays


The 7-day free lock extensions are available at your request on lock terms 30 days + / 3 free days on 21 day locks


7 Jumbo programs to choose from with LTVs up to 90%, Second Home and Investor options are also available


NO Tax Transcripts are required


PIWs accepted on Purchase and Refinances transactions *Ace waivers for FHLMC are accepted


Non-Permitted Additions allowed *


Stearns has an exclusive partnership that allows us to facilitate a 1st and 2nd Combo loans to avoid Jumbo programs

* 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