Products & Pricing
Stay up to date with the latest price improvements and product changes.Stearns® Wholesale Products
Jumbo
Multi-investor Jumbo Platform
• 15-year fixed product available
• 30-year fixed product available
• Up to $2 Million max
ARMs
• Up to $2.5 Million max
• Up to 90% LTV
Conventional
- Up to 97% LTV w/ Fannie Mae (DU)
- Up to 97% LTV w/ Freddie Mac (LP)
- High-Balance Conforming & Super Conforming
- LPMI to 97% LTV
- Conforming conventional > 40 acres at 80% LTV
- Mortgage Insurance Options
- Transferred appraisals
- ARM Products available
- No FICO score programs
- Manual underwrites
FHA
- 620 minimum FICO score
- DTI > 50% with AUS approval
- Streamline – no AVM required
- 203(k) Streamline Rehab
- ARM Products available
- High Balance
- Manufactured Homes
VA
- Up to $2 million for purchase
- Cash out available
- No AVM IRRRL
- High Balance
- ARM Products available
- 620 minimum FICO score
- Manufactured Homes
We Know Jumbo
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With over 30 years of experience, our rates have made us an industry leader. With super-fast turn times, world-class service, and innovative technology, we will change the way that you look at lending.
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• AUS & Manual offering
• Best Pricing Offered
• Non-owner occupied & Second homes allowed
• Cash out Allowed
• 90% LTV Purchases
• FHA
• VA
• USDA
We do. These include (but are not limited to):
• HomeReady
• Home Possible
• HomeOne
• Fannie Mae 97%
Additionally, our jumbo and government offerings are available to first-time home buyers.
• Fannie Mae
• Freddie Mac
• FHA
• VA
