Welcome to Stearns Nor Cal - Northern California's Lending Specialist


Stearns Nor Cal, formerly Blue Oak Mortgage, was formed by four long-time Sonoma County residents to meet the unique demands of the Northern Californian real estate environment.  Stearns Nor Cal has created an unsurpassed combination of local management with national pricing power.  Stearns Nor Cal is proud to offer small town service without sacrificing the benefits a national bank can offer.

Approved Lending Institution

 

Stearns Lending, Inc., is an FHA Approved Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.  Stearns Lending, Inc., Corporate Headquarters is located at:  4 Hutton Centre, Suite 500, Santa Ana, CA  92707.  Office:  (800) 350-LEND

Buying Basics

How can you increase your odds of having a great experience and finding the best home? Simply by doing exactly what you are doing right now.

Invest time educating yourself, work with, and heed the advice of the best professionals available.

Click here to find out more.

 

Refinance

We can assist you in locking a long-term fixed rate or refinance and get cash out.  We can help!  To get started click here

Purchase

Purchasing a home will likely be one of the most important investments you'll ever make. We can help!  To get started click here

FHA loans

FHA home loans provide higher loan to value, lower rates and enable more people to qualify.  We're FHA experts... We can help!
To get started click here

 

Not all programs are available in all areas. Program restrictions apply.

• Stearns Lending, Inc., 4 Hutton Centre Drive, Suite 500, Santa Ana, CA 92707 is licensed, registered, or exempt from licensing to conduct business in: Alabama Consumer Credit License (#21191); Arizona Mortgage Banker (#0905413); Arkansas Banker/Broker/Servicer License (#102360); licensed by the Department of Corporations under the California Residential Mortgage Lending Act and the California Finance Lender Act; Colorado Lender Exemption; Connecticut Mortgage Lender License (#15262); Delaware Mortgage Lender (011236); District of Columbia Dual Authority (#MLB1584); Florida Mortgage Lender License (#ML0701266); Georgia Residential Mortgage Lender License (#24066); exempt as a Foreign Lender in Hawaii; Idaho Mortgage Broker/Lender License (#MBL-3005); Illinois Residential Mortgage License (mb.6760686); Indiana First Lien Mortgage Lending License (#15640); Iowa Mortgage Banker License (#2009-0047); Kansas Mortgage Company License (MC.0025047); Maryland Mortgage Lender License (#10847); Massachusetts Mortgage Lender License (#ML3335); Montana Mortgage Lender License (#1854); Nebraska Mortgage Banker License (#2082); Nevada Mortgage Banker License (#3577); Nevada Mortgage Broker License (#3578); New Hampshire, Licensed by the New Hampshire Banking Department Mortgage Banker License (#15083-MB); New Jersey Residential Mortgage Lender License (#0806377); New Mexico Mortgage Company License (#01457); North Carolina Mortgage Lender License (AL-148477); Oklahoma Mortgage Broker (#MB001662); Oregon Mortgage Lending License (#ML-1041); Pennsylvania Mortgage Lender License (#28788); South Carolina Mortgage Lender License (#1854); Rhode Island Lender License (20092625LL); Tennessee Mortgage License (#4320); South Dakota Mortgage Lender License (ML.04912); registered in Texas under the registration #55403; Utah DRE Mortgage Entity (#5780454); Licensed by the Virginia State Corporation Commission MC-2184; Washington Consumer Loan Company License (#520-CL-23808); West Virginia Mortgage Lender License (#ML-30447); Wisconsin Mortgage Banker License (#696677); Wyoming Mortgage Lender/Broker (MLB 2135).

• NMLS number for Stearns Lending Inc. is 1854.

• Not all branches are licensed in every state; please contact your local office to determine eligibility.

• “All loan programs are subject to Stearns Lending underwriting guidelines. Approvals may be subject to appraisals and other documentation. Interest rates, loan terms, and other information on this website are subject to change without notice.”

• Disclaimer: Information accurate as of January 26, 2011