How Stem Lending Works:

Stem Lending offers a simple concierge experience for mortgage. Our customers create a login and with 4 simple steps, apply for a mortgage. We fetch credit reports, verify income, assets, employment and present their mortgage application to our lending partners. Sifting through all mortgage products across all lenders, we present the products that best fit our customer’s needs. We serve as our customer's trusted advisors all the way through closing.

Painless Pre-approval

Get pre-approved with our expert loan officers. In minutes. No hidden fees, No obligation, Full transparency.

Compare & Select the Best Loan for You

We show you dozens of loan options, so you can filter on what’s important to you, with exclusive rates, and loan products all in one place.

Save Thousands of Dollars At Closing

Your dedicated loan advisor will help you find serious savings by sifting through dozens. Of loans on your behalf.

Lending Partners:

Lending Partners:

Featured In:

Featured In:


  • 5 star ratingI came to know of STEM Lending through a fellow networking buddy and also did my research since I'll soon be a first time home buyer! Shantanu, is super friendly and offers the the best services. STEM Lending will be getting my business when I'm ready to take those first steps into home buying!

    Joshua B. Avatar
    Joshua B.
  • 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 K. Avatar
    Abhijit K.
  • I've known STEM Lending for a long time and they are great. In today's housing market, you really need an advocate on your side who has the flexibility and responsiveness to help you achieve your goals. Two thumbs up!

    Jonathan N. Avatar
    Jonathan N.
  • 5 star ratingThese site is amazing for first time home buyers, the rates were competitive, there was lots of hand-holding.  About twenty things could have gone sideways that these guys averted.  Would 100% recommend to anyone looking to buy a place.

    Koushi S. Avatar
    Koushi S.
  • 5 star ratingHakim and Shantanu are great! They work tirelessly for you and I highly recommend STEM Lending!

    Deepak C. Avatar
    Deepak C.
  • STEM Lending gave one stop shop for comparing multiple mortgage lenders on one place, making mortgage closing process very easy. Highly recommended!

    Santosh T. Avatar
    Santosh T.
  • I definitely recommend STEM LENDING - easy and convenient to get a loan.

    Sree V. Avatar
    Sree V.
  • STEM Lending made it SO easy to get a loan. Why? Well, they have a knowledgeable, honest and extremely helpful team. They know how to provide a GREAT customer service. Thank you so much! Forget the banks - go for STEM Lending. I definitely recommend it.

    Florencia S. Avatar
    Florencia S.
  • 5 star ratingteam is knowledgable and experienced, service is personal, and they take the time to understand your needs. would recommend them to anyone!

    Heter M. Avatar
    Heter M.
  • Stemlending is a boon for affordable and accessible Loans. Definately go for it.

    Divyam M. Avatar
    Divyam M.
  • 5 star ratingI 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. Avatar
    Jeffrey Y.
  • 5 star ratingWe had a very tight timeline for our large family's recent move. Shantanu and others at STEM Lending helped us to get to closing successfully and on time. They answered our many questions along the way and were supportive and responsive. They also offered the best interest rate and lowest closing costs that we could find! Highly recommend!

    Rachel D. Avatar
    Rachel D.
  • It was awesome to speak with STEM Lending team on the A-to-Z of mortgage process. They had a pretty thorough knowledge and patiently walked us through the steps involved and how to save. Definitely check them out.

    Kamal T. Avatar
    Kamal T.
  • If you to understand the process of buying your dream home then this is place to go. This company makes your dream their priority!

    James C. Avatar
    James C.
  • 5 star ratingSTEM helps avoid submitting same mortgage applications multiple times to different banks. Their free consultation explained mortgage steps in detail. Being able to get all rate quotes with one app helped save a ton of time.

    Noel J. Avatar
    Noel J.

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