Dream home with garage

The Path to Homeownership

Here are the 10 steps to keep in mind in your journey to homeownership: Checking credit report Budgeting Getting familiar ...
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parents help you get your mortgage and home

Can My Parents Help Me With My Mortgage?

Buying your own home, especially your first home, is an incredible achievement. For some, it takes years of squirreling away ...
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loan estimate

Loan Estimate: Why it’s important

You've found your dream home and you've actually found a lender (or broker like STEM Lending) who's going to do ...
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when is the right time to buy

When’s The Best Time To Buy A Home?

For first-time or repeat homebuyers, one of the most important decisions is when the best time is to buy their dream ...
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Doors - Comparison Shopping

Comparison shopping for the best mortgage lender

When you’re shopping for a home, you look carefully at each house you tour. You open cupboards, you listen for ...
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title insurance

Title Insurance – What Homebuyers Should Know

You've found your dream home, and you're in the midst of signing documents before you get the keys. Everything is ...
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mortgage discounts

How STEM Lending Delivers Mortgage Discounts

In the midst of a very competitive home selling season, borrowers are doing more upfront research to find the best ...
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Closing on Home

Closing On Your First Home? Read These Tips

Closing on your first home can feel overwhelming, especially if you've never been through the process before. There are so ...
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Qualifying For a Mortgage As a First Time Homebuyer

High cost of living, low wage growth, student debt, and rent increases. With so many financial burdens to carry, millennials often feel that ...
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Airbnb Rental Income Now Helps You Refinance Your Mortgage

If you're a homeowner and you're renting out rooms through AirBnb, congrats! You can now use that AirBnb income to ...
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how much home can I afford

How Much House Can I Actually Afford?

So, you’re interested in buying a house; that’s wonderful! Before you start falling in love with any homes for sale, ...
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homes san francisco

Cash-Out Refinance vs. Refinance

Owning a home is a big step toward building your credit and gaining equity. If you’re a homeowner, congratulations! Now ...
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jumbo home

Jumbo vs. Conventional Mortgage – Details To Know

As the homebuying season kicks off in earnest in the spring, buyers may find that the lack of inventory = ...
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Compare mortgage to save

Compare mortgage options to save on home purchase

We’ve all been taught to shop around to find the best deal for the products and services we buy. Whether ...
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Philadelphia Skyline

Top 10 things Philadelphia home buyers should know

Living in Philadelphia and ready to finance your dream home? Buying a home is one of the most vital financial ...
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Bank or broker: which is best for home buyers?

First-time home buyers often wonder if reaching out to a bank or a mortgage broker is the best option for ...
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STEM Lending - Village Capital, Ben ranklin Tech Partners, UBS Selection

Philadelphia Mortgage Tech startup Stem Lending selected for VC Pathways program

Stem Lending, Inc. is proud to announce that we have been selected as one of the eight startups to participate ...
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Taxes and homeowners

How the tax bill affects homebuyers

For years, the US tax code has encouraged Americans to get "a piece of the American dream" by becoming homeowners ...
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Immigrants Family

Solving the mortgage needs of STEM immigrants in US

Recent immigrants to the United States face unique hardships and challenges when seeking all forms of loans: credit cards, auto ...
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millennials first house

How Millennials Have Changed Mortgage Shopping

Tech Savvy Mortgage Millennials You've probably seen us mention that Millennials are the single largest segment of home-buyers in America ...
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Mortgage Pre-approval Application

How to prequalify for mortgage?

Home buyers can simplify the steps of buying their dream home by prequalifying for a mortgage. So, what exactly does ...
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