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.

Lending Partners:

Lending Partners:

Featured In:

Featured In:


  • 5 star rating  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.

    Noel J. Avatar Noel J.
  • 5 star rating  I definitely recommend STEM LENDING - easy and convenient to get a loan.

    Sree Vetukuri Avatar Sree Vetukuri
  • 5 star rating  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. Avatar Jeffrey Y.
  • 5 star rating  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 Tiwari Avatar Kamal Tiwari
  • 5 star rating  STEM Lending gave one stop shop for comparing multiple mortgage lenders on one place, making mortgage closing process very easy. Highly recommended!

    Santosh Tiwari Avatar Santosh Tiwari
  • 5 star rating  Stemlending is a boon for affordable and accessible Loans. Definately go for it.

    Divyam Madaan Avatar Divyam Madaan
  • 5 star rating  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. Avatar Ben T.
  • 5 star rating  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.

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

    Deepak C. Avatar Deepak C.
  • 5 star rating  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 Nobil Avatar Jonathan Nobil
  • 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
  • 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.
  • 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.
  • 5 star rating  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 Crump Avatar James Crump
  • 5 star rating  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 Avatar Abhijit Kumar

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