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.
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.
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.
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.