Home Financing for you.
Tennessee and Georgia home mortgages.

FHA, Conventional, Rural Development, VA, Jumbo, and FHA Streamlined 203k Renovation loans.

For foreclosure purchases we offer the FHA $100 Purchase Program for HUD owned properties and the Fannie Mae Homepath program for FannieMae owned properties.

First Time Home Buyer programs in Chattanooga with Chattanooga Neighborhood Enterprises (CNE) and in Tennessee with Tennessee Housing Development (THDA).

Real estate mortgages for your purchase, refinance or streamline refinance.

Start Your Purchase or Refinance Here - Free, Secure, Password Protected 

Getting the right home loan begins with having right information.

You can follow the links below to find detailed answers about your home loan  - purchase, refinance, or renovation. 

You can achieve sound financial solutions with one of our conventional, FHA, VA, Rural Development mortgage programs. 

Home Search Tools 

These home search features are provided for your convenience. We do not sell real estate properties or act in any way as an agent to sell properties.

You can start your home search with our Zillow tools or here with my Home Search tool.

For Featured Homes in the Chattanooga area, search here.

You can search  foreclosures with the engine on the right.

The pages are laid out to guide you step by step so that you are a fully informed consumer. At any time, you will find easy access to apply or to make a contact request.

Click on the picture below to begin.

purchase home loan programs
Purchase Loans 
How much do you qualify for?
Is now a good time to buy?
How much down payment do you need?

Refinance home loan programs
Refinance Loans 
Would you benefit from a refinance?
How much cash can you get by refinancing?

FHA Lending
FHA Loans
FHA loans offer the flexibility and high LTV. Do you qualify for FHA financing?






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 Stearns Lending, Inc
NMLS ID: 184479; GA – 28928; TN – 40161; Company NMLS ID 1854

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