Stearns Home Loans

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(626) 221-1104
1851 E 1st St Suite 725
Santa Ana, California 92705

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Working with us

Working with a Loan Professional

For most of us, our mortgage is one of the single largest investments we make in our life time. Your choice of available programs are an important part of that process and your first point of contact, the Loan Officer you choose, can make a world of difference. With an investment of this size, you want to know that you’re in capable hands and that nothing is left to chance. There is just no substitute for professional experience in a transaction of this magnitude!


Heaven forbid it would happen to you, but if you had a legal issue that could determine your guilt or innocent with your freedom in the balance, would you go to court and represent yourself or would you find the right representation based on their experience and resources and put yourself in their hands?


Although less dramatic, this situation is the same condition and the wrong outcome could leave you with a 30 year loan that is not right for you or your family.  Like any other investment, ensuring that you have the right product requires sound knowledge and routine evaluation of the process to achieve the preferred outcome.  Your Loan Officer must have the experience necessary to guide you through the loan process, but also have the wisdom and skill to become your trusted mortgage advisor, helping you make the difficult choices that lie ahead. The right Loan Officer will look after your best interests long after the close of your loan. They keep you informed of changes in the financial market that might benefit you, and are always available to provide you with a prompt overview of your options.

Our Loan Officers are adept at guiding clients through the steps needed to resolve credit problems or other unforeseen issues that might slow down the process. Additionally, they understand the priorities and concerns of the underwriters who are responsible for approving your loan, and can work with them to review and substantiate extenuating circumstances that could affect your loan approval.


Stearns realizes that times are changing but the tradition of good service and reliable follow through remain.  We take the responsibility of representing your best interest very seriously and try each and everyday to live up to your expectations.


As a brand, Stearns delivers a promise, “I Can Help You!”  This promise is the definition of what our customers experience when dealing with Stearns Lending.   The way each team member embraces the brand, when they interact with one another and our customers, brings the brand to life.  This logic results in a better experience for the customer and distinguishes Stearns from many of our competitors.   We're proud of that difference, and of the long lasting relationships we have forged with our clients, their friends and their families as a result!

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Nicki Harlow - "I can help you!"

Whether you're buying, selling, or refinancing, it's important that you choose the right mortgage loan originator to guide you through the home loan process.

1851 E 1st St Suite 725
Santa Ana, California 92705
(626) 221-1104
(805) 335-3004

Licensing Information: Corporate NMLS#1854 | Employee NMLS #232259 | Branch NMLS #1151291