Stearns Bank specializes in quick turnaround, typically closing a loan 30 days after locking in your rate. We offer a variety of home loan options including: Conventional, FHA (Federal Housing Admin), VA (Veterans Admin) and Rural Development. Ask a lender which option fits your needs the best. Pre-approvals available on all options.

Fixed Rate Home Mortgage:

Adjustable Rate Mortgage (ARM):

Construction Loan:

  • Short-term loan until completion
  • Interest only payments until completion
  • Permanent financing available


  • Lower your mortgage payment
  • Decrease the term of your loan
  • Have access to additional cash
  • Should I refinance?