Compare dozens of mortgage options at once.

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.

I 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!

I stumbled upon stem lending after I was burnt myself in the process of getting mortgage for my home. In the pre-approval phase itself my already precarious credit scores took a nose dive of more than 30 points because mortgage agents ran individual credit checks on me. This in turn was being exploited by the lenders as they now knew that my scores are lower than the one they had obtained and therefore, I will get worse rate from other agents.

I asked them why do they have to run credit scores individually. I am so happy to see that Stem Lending solves precisely this problem and helps individuals like me with a precarious credit score.

On top of this very fundamental value addition, enabling all lenders to work with a single application, comparing the lenders and providing expert services were also extremely useful.

Stem Lending indeed enables a modern/millennial mortgage experience. Highly recommended.

Hakim and Shantanu are great! They work tirelessly for you and I highly recommend STEM Lending!

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

STEM 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.

Stemlending is a boon for affordable and accessible Loans. Definately go for it.

Stemlending.com helps you avoid the hassle from mortgage shopping -- we compared multiple quotes with a single application and did not get hit with multiple credit checks. Better rate quote than other options in the Philly area, and saves a lot of time.  Try it out!

These 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.

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!

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

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!

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!

team is knowledgable and experienced, service is personal, and they take the time to understand your needs. would recommend them to anyone!

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.