Use AI to shop and save on mortgage.

It’s free and won’t affect your credit score.

Comparison shop and save on mortgage.

WHAT WE DO?

Our services:

Purchase Mortgages, Refinance, Pre-Approval Quotes

Mortgage Pre-approval Letters help home buyers and their agents negotiate better with the seller.It demonstrates that...

Learn More

Immigrant-Friendly Mortgages

Immigrants need additional documentation of their valid visa status in the United States. They often lack adequate cr...

Learn More

Cash Out Refinance

Refinancing better terms can help you save thousands of dollars in interest rate charges.

Learn More

Investment Property Mortgage

Utilize our low interest rate investment property mortgage to save on your investment property financing costs.

Learn More

Construction to Permanent Mortgage

If you need a construction loan to help finance building your residential real estate, it's worth exploring the merit...

Learn More

Renovation Loans

Compare renovation loan options with Stem Lending's wholesale lenders and save.

Learn More

We’re committed to help you get the mortgage that works best for you…

PRODUCTS

Pre-Approval Letters

Pre-approval letters will help you negotiate for best offers.

Pre-Approved Financing

Outshine competing offers with pre-approved mortgage

10/20/30-Year Fixed Mortgage

Get mortgages with fixed interest payments.

Fixed Rate Mortgage

Get peace of mind and plan your finances with fixed interest rate options.

Investment Property Mortgage

Programs tailored for investment property financing.

Low APR Investment Property Mortgage

Save on investment property mortgage with our low interest products.

Immigrant Mortgages

Select mortgage programs for immigrants with thin credit history.

Thin Credit History?

Our partner lenders have select programs for home buyers with thin credit history. Apply now to see how much you can save.

Construction-to-Permanent Loan

Single close construction loan, saving you closing costs

Looking for a construction loan?

See if a single close construction loan is helping you save closing costs.

Renovation Loan

Our home renovation loans can help you save on renovation costs. Reach out to find your select options.

Planning a home renovation?

See how you can save with the right renovation loan program.

WHAT OUR CUSTOMERS SAY ABOUT OUR SERVICE?

Customer Feedback

We had a very tight timeline for our large family’s move. Shantanu and his other Stem Lending colleagues were very responsive and helped put us at ease as we headed towards closing. They answered all of our many questions and were always polite and supportive! And we got a GREAT interest rate for our loan after looking with other mortgage professionals as well. ★★★★★

Rachel D.

Home buyer, Hershey, PA

I would like to wholeheartedly recommend Shantanu at stemlending.com. He went above and beyond to get us a mortgage at the best conditions within the short time frame we had. He spared no effort in explaining all of the details and options to us. As newcomers to the country, we had difficulties in getting a mortgage from the regular bank channels as we had a limited credit history. That's why we're so grateful to Shantanu for helping us out! ★★★★★

Barak H.

Home buyer, Denver, CO

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! ★★★★★

Deepak B.

Home buyer, Philadelphia, PA

Loved working with Shantanu from Stem Lending. He offered us a free mortgage consultation which was very helpful in understanding all the steps involved from pre-qualification to closing. Having the entire process online made the application super convenient. Highly recommended! ★★★★★