STEM Lending is redefining the mortgage experience for first time home-buyers. We are a team of passionate technologists and mortgage domain experts, driven to earn your trust by transparency. With our mortgage expertise on your side, we put the power of choice in your hands, through our competitive marketplace and no hidden fees.

Our technology analyzes multiple loan options for you in minutes, and lets you shop and compare. A mortgage is often the largest financial decision you will ever make – we understand it’s a huge deal and you deserve a stress-free experience. With housing inventory so low, many buyers spend their time just trying to get their dream home, then scrambling to finalize their mortgage.  You shouldn’t have to wade through the complexities of mortgage loans by yourself. Unlike traditional loan brokers, STEM Lending simplifies your mortgage process into clear steps, allowing you to close on your new home with confidence.

At STEM Lending, we believe that creditworthy Millennials who’ve been saving and searching for a home, aren’t getting the affordable and accessible mortgage they deserve. Young adults aren’t living at home with their parents anymore – they are literally driving the housing market. Millennials were the largest group of home buyers in 2017.

We believe that this generation is causing the largest shift in consumer behavior ever witnessed in the mortgage market. Today, more than 80% of mortgages are issued offline, and we believe there is an enormous opportunity to serve your financial needs with the best mortgage rates and unparalleled customer service, as mortgages move online.