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:

  • 5 star rating  STEM Lending made purchasing my first apartment easy. They explained every part of the process to me and provided competitive rates. We were able to find the right mortgage product for me after a series of phone calls - it was almost like a mortgage concierge service. I appreciate their insight into what could have been a daunting process.

    Lauren T. Avatar Lauren T.
    2/12/2018
  • 5 star rating  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 Spinella Avatar Florencia Spinella
    8/31/2017
  • 5 star rating  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. Avatar Florencia S.
    8/10/2017
  • 5 star rating  team 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.
    2/13/2018
  • 5 star rating  World class experience getting a mortgage by a highly experienced team of mortgage and tech professionals. Highly recommended!

    Pooja G. Avatar Pooja G.
    8/12/2017
  • 5 star rating  I definitely recommend STEM LENDING - easy and convenient to get a loan.

    Sree Vetukuri Avatar Sree Vetukuri
    1/19/2018
  • 5 star rating  STEM Lending is pioneering the mortgage lending experience for the busy Millennial. Highly recommended!

    Pooja Gupta Avatar Pooja Gupta
    8/30/2017
  • 5 star rating  Hakim and Shantanu are great! They work tirelessly for you and I highly recommend STEM Lending!

    Deepak C. Avatar Deepak C.
    8/11/2017
  • 5 star rating  STEM Lending made purchasing my first apartment easy. They explained every part of the process to me and provided competitive rates. We were able to find the right mortgage product for me after a series of phone calls - it was almost like a mortgage concierge service. I appreciate their insight into what could have been a daunting process.

    Lauren Fales Avatar Lauren Fales
    2/12/2018
  • 5 star rating  Great initiative! Wishing team STEM Lending the very best!

    Pooja Gupta Avatar Pooja Gupta
    1/22/2018
  • 5 star rating  Stemlending is a boon for affordable and accessible Loans. Definately go for it.

    Divyam Madaan Avatar Divyam Madaan
    8/31/2017
  • 5 star rating  An innovative idea in an industry that hasn't been innovated until now. The experience with Hakim at STEM and the transparency in the mortgage process while I was looking to move made my life a lot easier. Definitely recommend!

    T J. Avatar T J.
    2/12/2018

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