How STEM Lending Works
For our potential borrowers at STEM Lending, we look beyond the traditional credit scoring metrics of loan-to-value (LTV), FICO score, and debt-to-income (DTI). We also consider your specific field of study, monthly free cash-flow, and projected earnings - among other aspects not typically considered when generating a borrower profile. Our proprietary underwriting process creates a "STEM Score" associated with each application, which helps us ensure confidence in a borrower's ability to repay their loan.
Compare Lenders
STEM Lending saves you time by offering you multiple choices from multiple lenders, at the click of a button. You compare your different options immediately - it's that simple. If you still have questions, our customer support team is available 24/7 to assist you.
Personalized Service
STEM Lending spares you frustration by providing you a personal mortgage expert who breaks down the complex application process into clear steps and choices. Our team is committed to help you close your mortgage with confidence and clarity.
Mission-driven Values
We believe in the power of Science Technology Engineering and Math (STEM) education as it drives greater job stability and generates higher earnings. For every 100 loans we facilitate, STEM Lending gives back a fraction of profits to STEM initiatives. Click here to find out more.
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Reviews:
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I thought getting my first mortgage was going to be the worst. I asked my friends for recommendations, and one friend highly recommended STEM, so I got in touch. Still, I expected the process to be torturous, but I was pleasantly surprised (seriously, I would do it again!).I know more about mortgages than I ever thought I would, and I actually think I understood all my options, thanks to their patience and ability to explain everything. I think I asked some really dumb questions, and they were not fazed at all by my ignorance.I highly recommend using them.
Jeffrey Y.
2/27/2018 -
I love STEM Lending! They offer so much knowledge about getting a mortgage. STEM's mortgage experts really make navigating a confusing process simple. They took the time to understand what was really important to me and were responsive to all of my questions. I would absolutely work with STEM again!
Ben T.
4/05/2018 -
I had a great experience with STEM Lending. We sent out bid requests to several agents and STEM came back with the most competitive package. On top of that, they provided an exceptional service, helped us understand the complex mortgage process, patiently answered questions (I had so many!) - via phone, email, or text, and always with a fast turnaround. I highly recommend STEM Lending for your mortgage!
Florencia S.
8/10/2017 -
Stem Lending is an amazing place to start if you're either a first time or an experienced home buyer. I've been using their website to understand my position as a first time home buyer in the craziest real estate market in the world (San Francisco Bay Area), and found the rates to be competitive and a ton of resources for those who may have questions.
Abhijit Kumar
3/27/2018
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Recent Posts
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Resources
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Qualifying For a Mortgage As a First Time Homebuyer
11 Apr , 2018 -
Airbnb Rental Income Now Helps You Refinance Your Mortgage
08 Apr , 2018 -
Download STEM Lending’s 2018 Homebuyers Checklist
05 Apr , 2018 -
How Much House Can I Actually Afford?
05 Apr , 2018 -
Cash-Out Refinance vs. Refinance
29 Mar , 2018