Well, overall Stearns Lending stand up as a reliable option for your loan or lending endeavours allowing consumers to take advantage of programs like HARP along with provindng low-down-payment options for conventional and government-backed loans, including FHA 203(k) renovation loans.  However, it sure has a negative side which is that it doesn’t have home equity or HELOC’s that a lot of consumers are seeking today. Furthermore, when it comes to the transparency it lacks in that also since the rate and fees of different programmes will not be visible on their official website.