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Conforming Loans - Jumbo Loans - Government Programs - Agency High Balance - USDA Rual Housing

Conforming Loans
At Stearns Lending, we offer a wide variety of conventional financing options on fixed and adjustable rate programs with Full and Interest Only options to accommodate the needs of home buying or refinancing for your clients.

Program Description Rate Sheet Program Codes Stearns Program Code
Conforming Full Doc 10, 15, 20 & 30 Year Fixed Rate 2000-00
2100-00
2000-00
Conforming High Balance Product 30 Year Fixed Rate 2091-00 2091-00
DU Refi Plus Conforming Limits 2089-00 2089-00
DU Refi Plus High Balance 2099-00 2099-00
Stearns Conforming Fixed Portfolio Program 2000-25
2100-25
2000-25
Conforming Full Doc 3/1, 5/1 & 7/1 Intermediate Libor ARM, Interest Only 2300-00
2302-00
2400-00
2402-00
2200-00
2202-00
2300-00
Stearns Agency High Balance Portfolio Program 2091-25 2091-25


Jumbo Loans
"Stearns also offers a full line of Non Conforming conventional fixed, fixed period and variable rate mortgage programs to satisfy A quality experienced borrowers. Low down payment options are available as well as financing up to $2 million for high-end borrowers.

Program Description Rate Sheet Program Codes Stearns Program Code
Select Jumbo Full Doc 30 & 15 year Fixed Rate, 3/1, 5/1, 7/1 & 10/1 LIBOR ARM and Interest Only 3000-10
3400-10
3402-10
3200-10
3202-10
3900-10
3902-10
3000-10
Classic Jumbo Fixed and LIBOR ARMs 3000-18
3400-18
3200-18
3000-18


Government Programs
"Stearns also offers a full line of Non Conforming conventional fixed, fixed period and variable rate mortgage programs to satisfy A quality experienced borrowers. Low down payment options are available as well as financing up to $2 million for high-end borrowers.

Program Description Rate Sheet Program Codes Stearns Program Code
FHA Fixed Rate and Treasury ARM 4000-00
4400-00
4219L-00
4071-00
4861-00
4025-00
4125-00
4000-00
FHA High Balance 30 Year Fixed Rate 4090-00
4095-00
4095-00
4090-00
VA 15 & 30 Year Fixed Rate 4500-00
4600-00
4720L-00
4719L-00
4500-00


Agency High Balance
Stearns offers several high balance programs including DU Refi Plus and our High Balance Portfolio Program These loans give your borrowers the advantage of conforming qualifying guidelines and pricing with higher loan limits. Please contact your Account Executive for details.

Program Description Rate Sheet Program Codes Stearns Program Code
Agency High Balance 2091-00 2091-00
DU Refi Plus High Balance 2099-00 2099-00
Stearns Agency High Balance Portfolio Program 2091-25 2091-25


USDA Rural Housing
Qualifying borrowers by income and geographical standards, the Rural Housing program provides benefits to not only first time homebuyers that are not available through other sources. Please see your Account Executive for details on how to place your borrowers into these programs and take a look at our program guidelines.

Program Description Rate Sheet Program Codes Stearns Program Code
USDA Rural Housing 4015-03 4015-03

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