Stem Lending
Jersey City
(11)
Jersey City
(11)
Stem Lending is an online mortgage marketplace, helping home buyers shop wholesale lenders, as they finance their dream homes.
Our customers create a login and with 4 simple steps, apply for a mortgage. Our technology fetches credit reports, verifies income, assets, employment and present mortgage application to top competing mortgage lenders for their best rates.
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11 customer reviews
Michael Hayes
I just want to thank you Mr. Jerry for all you do, very amazing. I was very skeptical at first, never heard of someone fixing low credit score on excellent reports. After being turned down for a home loan, I filed for my credit report to see what was on it. To my dismay there were duplications, misinformation as well as things that weren't even mine. No wonder I couldn't get the loan. A friend from work said to me that good day, my friend look out for JerryLink Credit Group on the Internet and so I did. After going through and I saw some positive reviews, I decided to contact them. I’m glad I did. It took only 15days to erase negative information, and push my score to 790s from the initial 550s across all three bureaus. You too can testify like me by reaching out to them today via: JERRYLINKGROUP@GMAIL.COM or text (626) 514 0620. More...
Saurabh Gupta
I never had a good experience with financing/refinancing process. I never understood the reasons why it takes so long, endless requests for documents and lack of transparency with costs. Working with Step Lending was a night and day change for us, things were very smooth, transparent and what I personally appreciated is a quick turnaround to any of our queries. I really appreciate Jatin, the approach he followed in explaining the process, level of details and timely follow-ups, best part was the details to help us understand the differences in the loan options and what would suit our needs. Lastly - it took us just 3 weeks from start to close - never expected it to be that fast. Thank you Jatin/Stem Lending. More...
Reviewed on Facebook
Ram Reddy
Jatin is exceptionally good. Follows through in a timely manner and gets the lowest interest rate possible. Highly recommend.
Reviewed on Facebook
Gaurav Mendiratta
The Stem lending team is great. They are very responsive and professional. I had my refinance completed with them in
Reviewed on Facebook
Yu XiaoDi
I'm the first time buyer. Shantanu helped us get the best rate and walked through all the details. He is also very responsible and has lots of patience to answer our questions.
Reviewed on Facebook
Ramon Rhymes
Six Stars!! I was well into the process of refinancing my home mortgage with Quicken Loans. The experience was simply terrible. Jatin from Stem Lending reached out to me via LinkedIn as a fellow Alumni. The process with Stem Lending was beyond compare. The Stem Lending team were transparent through the entire process and helped me find the best mortgage. They even went back to the selected vendor and obtained an additional reduction in interest rate with no additional cost to me. The process was seamless, transparent, and enormously valuable to me. I'm in the process of purchasing another home and I will not use any other lending firm. More...
Reviewed on Facebook
Svetlana Tikhonov
We refinanced a house during the corona virus situation. Shantanu was very professional and efficient with responding and providing the initial estimates, including an assessment on the value of the house and the closing fees, which was very accurate and held true. Even though the bank has put us through a very long process, Shantanu was excellent at navigating all the requests, communications and saw the process trough the end. Shantanu comes highly recommended. More...
Reviewed on Facebook
Parag Mahajan
Stem Lending was fantastic for us, especially as first-time buyers. Jatin walked us through the entire mortgage process in detail and helped make the whole thing understandable. Most importantly, we always knew we could trust Stem Lending to have our best interest at heart. We did a fair amount of shopping, and Jatin would always be up-front with us when another place was giving us a good deal. Relative to the rest of the buying process, this was really refreshing (and helpful on a practical level). Highly recommend! More...
Reviewed on Facebook
Surbhi Madan
Stem Lending is a tech startup that focuses on solving the pain of home-buyers looking for a Mortgage, by helping them compare real-time rates across many different lenders and pick the best deal. All in one place. This saves them the effort of reaching out to different lenders, filling out multiple tedious applications and getting a separate quote from each. The goal is to bring about transparency in the Mortgage industry and make it convenient for home-buyers to get a Mortgage. And they are doing a great job. More...
Reviewed on Facebook
Neelohita Kalisetti
We worked with Stem lending for refinancing our current home loan and we highly recommend them! Shantanu has been our point of contact for this process. Shatanu is proactive and very good at keeping the customer on track to ensure deadlines are met. He is persistant and has always been prompt with his responses. Super easy to work with and has the expertise to guide a first time home buyer. He is accoommodating and has worked around our schedules to make it eaiser. More...
Reviewed on Facebook
Ashish Patki
Stem Lending (Shantanu) helped me throughout the refinance process--explaining all the details, promptly responding to all my questions, making useful recommendations from time to time to be able to make the right decision. Shantanu is very responsive, knowledgeable, resourceful, and always keeps the process on track. I was thoroughly impressed and I strongly recommend Stem Lending's platform (comparing rates from multiple lenders) and services for a new mortgage or for refinancing an existing mortgage. More...
Reviewed on Facebook
What do you love most about your job?
Helping our clients get significant savings for their future and retirement by getting to a lower cost mortgage.
What inspired you to start your own business?
StemLending.com is an online mortgage brokerage, empowering home buyers to save tens to hundreds of thousands of dollars by shopping mortgage costs across top wholesale lenders. Think of Stem Lending as Kayak or Airbnb for wholesale mortgages.
For the past two decades, every year, over six million home buyers have spend thousands and
thousands of dollars on mortgage origination charges.
And yet, published US Government’s research shows that three out of every four home buyers got locked in to a costlier mortgage, simply because they never got to reach the lender offering them a far better deal.
Our technology personalizes products for first-time home buyers, investment property financing, construction loans, renovation loans, refinancing, home equity loans through reverse mortgages.
Why should our clients choose you?
Our technology personalizes products for first-time home buyers, investment property financing, construction loans, renovation loans, refinancing, home equity loans through reverse mortgages, helping them save.
Can you provide your services online or remotely? If so, please add details.
We provide our services online and remotely and have served in multiple US states since our founding.
What changes have you made to keep your customers safe from Covid-19?
Enabling online consultation via: https://www.stemlending.com/meet
Mortgage Pre-Approval
Mortgage Pre-approval Letters help home buyers and their agents negotiate better with the seller.
It demonstrates that a lender has looked into the buyer’s creditworthiness and if a set of conditions are satisfied, mortgage will be granted to this buyer, helping bring this buyer’s closer to equal footing with cash buyers.
Refinance
Refinancing better terms can help you save thousands of dollars in interest rate charges.
Our clients are often surprised by the refinance possibilities we present to them; by thinking outside the box we present exciting options to help consolidate their high interest credit card debt to lower interest mortgage and potentially take cash out for a major purchase.
Put less down payment — and get cash out of the equity gained in your real estate.
First-time Home Buyer Consultation
Reach out to find resources available for first time home buyers. Consultation on what to keep in mind when buying a home.
Immigrant-Friendly Mortgage
Immigrants need additional documentation of their valid visa status in the United States. They often lack adequate credit history in the US, limiting options accessible to them.
We have partnered with key lenders offering low rates and helped several immigrant families finance their dream home, with attractive offers customized for their needs. Apply now to learn more.
Investment Property Mortgage
Seeking a mortgage to finance an investment property? Speak with our mortgage advisors to find the option that works best for you.
Construction to Permanent Mortgage
If you need a construction loan to help finance building your residential real estate, it’s worth exploring the merits of a Single Close Construction to Permanent Mortgage offered by our partner mortgage lenders.
You will get to personalize your house design and rather than paying closing costs twice: (i) At start of construction; and (ii) Post-construction, when the construction loan turns into a mortgage, pay closing costs once.
Renovation Loans
A carefully selected renovation loan can help add value to your dream home and also have low interest payment options.
Our partner wholesale mortgage lenders can help you save on renovation loans by qualifying for programs such as the FHA 203(K) Rehab Mortgage program.
