Stearns Lending – Mortgage Payment and Customer Service

Stearns Lending has made over 18 thousand loans worth about $4.5 billion in the third quarters of 2014. During the same period, it has serviced over 125 thousand loans totaling a volume of approximately $30 billion.

Founded in 1989, Stearns is served by nearly 2,000 employees and is headquartered in Santa Ana, California. A major correspondent lender, the company has also been active in retail and wholesale lending and mortgage outsourcing services.

Stearns Lending is an FHA approved lending institution having licenses to offer its products and services across 49 states and the District of Columbia. Among the home loan options include fixed-rate and adjustable-rate mortgages, FHA 203k loans, VA loans, Jumbo loans, and USDA Rural loans.

Stearns Mortgage Payment

You need to register to access its mortgage servicing site, which is available 24 hours a day, 7 days a week. Registered users simply need to provide the user id or loan number and password to log in and access their mortgage account online.

With access to your online account, you can view transaction history, make a payment, set up automatic draft payments, and update your escrow information, from anywhere, anytime. Visit for online registration or payment login.

The mailing address to send your payments is as follows. Existing borrowers can send their loan queries, too.

Stearns Lending Attn: Cashiering Department P.O. Box 8068

Virginia Beach, VA 23450

The mailing address for overnight payment is as follows. Stearns Lending 3637 Sentara Way

Virginia Beach, VA 23452

Please have a look at your mortgage documents to find the name of your servicer and the correct payment mailing address. In case of a change in your servicer, you will be notified at least 15 days before the transfer of your loan.

If you have received a delinquent tax or insurance bill, you need to send a copy of the same to the escrow department by fax or mail. The fax number is 1.866.221.5274. The mailing address is as follows.

Attn: Escrow Department, P.O. Box 43070,

Jacksonville, FL 32203

Contact the Loss Mitigation department if you are facing financial hardships. The following are the contact details.

Attn: Loss Mitigation Department, 3637 Sentara Way, Virginia Beach, VA 23452

Fax: 1.800.909.9525


Stearns Mortgage Customer Service

The phone number to contact Stearns Lending mortgage customer service department is 1-855-703-7266. The customer service business hours are from 8 am to 10 pm, EST, Monday through Friday, and from 8 am to 3 pm, EST, on Saturday.

The customer service phone number for seller finance or account servicing is 1-800-919-3009, which is available between 8 am and 5 pm, Monday through Friday, MST.

You can also contact the department using the online secured email form at the loan servicing website For general inquiries, you can email to

New customers can call toll free (855) 839-6487 and mail their queries to

The mailing address to send notices of error is as follows.

Stearns Lending Attn: Mortgage Resolution Unit P.O. Box 8068

Virginia Beach, VA 23450

The corporate headquarters address is as follows. 4 Hutton Centre, 10th Floor,

Santa Ana, CA 92707

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