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  • Refinancing a loan

Looking to refinance your mortgage?

We’re here to help. No matter why you’re think about refinancing—lowing monthly payments, changing your loan term, getting cash—we have an option to meet your needs.

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Lower monthly payments

Lowering your monthly mortgage payment by refinancing to a lower rate or extending your loan term can make it easier on your budget.

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Change loan term
Change loan term

Refinancing can be a great financial move if you’re looking to shorten the term of your home loan or if you need to lower monthly payments by extending the terms.

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Renovate or repair
Renovate or repair

From remodeling a bathroom to giving your home a complete makeover, Stearns offers  three lending options to give that house a little TLC—there’s one that’s sure to fit your needs.

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Take cash out
Take cash out

With cash-out refinancing you can get access to cash for whatever reason—vacation, college education, paying off high-interest credit cards – by paying off your existing first mortgage and then refinancing.

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Loan Type Buyer Adjustable Fixed
Lower monthly payments
Lower monthly payments 		Learn more
Change loan term
Change loan term 		Learn more
Renovate or repair
Renovate or repair 		Learn more
Take cash out
Take cash out 		Learn more

Now, let’s get that loan

Our loan officers are ready to help you get that home of your dreams. They know your market, loan options, and will be there with you every step of the way.

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Have questions? We can help.

An ARM may make sense if you are confident that your income will increase steadily over the years or if you anticipate a move in the near future and are not concerned about potential increases in interest rates.
The down payment required for a Jumbo mortgage can vary on many factors. Your Certainty Home Loans Loan Officer can help you assess your specific situation and goals and help you find the right loan option for you.

Learn more about all of our available loan options here.
Jumbo loans can come with stricter qualifying guidelines when compared to a Conventional loan because the homebuyer is taking out more than the typical loan amount. There are several factors that a lender will look at to determine if you qualify, including your credit history, income, and debt-to-income (DTI).

The minimum credit score depends on a variety of factors, so be sure to check with your Loan Officer about your specific situation. Learn all about available loan options here.
A Jumbo mortgage offers financing for those homes with a price tag that exceeds the conforming loan limits set by the Federal Housing Finance Agency. Learn all about available loan products here.
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