Sterling Gap | Business Loan | Personal Loan

Why Sterling Gap

Mortgage lending reimagined for today's borrower.

Traditional mortgage processes are slow, opaque, and frustrating. We've rebuilt the experience from the ground up combining competitive rates, rapid approvals, and white-glove service that keeps you informed at every step.

The private lender advantage for residential mortgages

While big banks process applications through layers of bureaucracy, our local underwriting authority means faster decisions and more flexible solutions. We evaluate your complete financial picture, not just a credit score.

Whether you're purchasing your forever home, refinancing to lower payments, or investing in rental properties, we structure mortgages that align with your long-term financial goals.

3.875%

Starting fixed rates

15 Days

Average closing time

$50M

Max loan amount

Zero

Hidden fees or penalties

Mortgage Products

Financing solutions for every property goal.

From conventional conforming loans to complex jumbo financing and investment property portfolios, we offer comprehensive mortgage products designed to fit your unique situation.

Conventional Mortgages

Traditional fixed-rate and adjustable-rate mortgages for primary residences and second homes with competitive terms.

15, 20, and 30-year terms
As low as 3% down payment
No PMI options available
Loan amounts up to $3M

Jumbo Loans

High-balance financing for luxury properties and high-value real estate transactions exceeding conforming limits.

Up to $50M in financing
Competitive jumbo rates
Flexible qualification standards
Interest-only options

Refinance Programs

Lower your rate, reduce your payment, or tap into home equity with strategic refinancing solutions.

Rate-and-term refinance
Cash-out refinancing
Debt consolidation options
Streamlined processing

First-Time Buyer

Specialized programs with low down payments and flexible credit requirements for first-time homeowners.

Down payment assistance
FHA and VA options
Credit counseling support
Educational resources

Investment Properties

Financing for rental properties, multi-family units, and real estate investment portfolios.

1-4 unit properties
Portfolio lending options
DSCR-based underwriting
Up to 75% LTV

Construction Loans

Ground-up construction and major renovation financing with flexible draw schedules and conversion options.

Construction-to-permanent
Interest-only during build
Custom draw schedules
Owner-builder programs

Current Rates

Competitive mortgage rates updated daily.

Our rates are among the most competitive in the market, with no hidden fees or surprise costs. Lock in your rate today and close with confidence.

30-Year Fixed

15-Year Fixed

Best Value

6.125% APR

Build equity faster and save tens of thousands in interest over the loan term.

Lower interest rate
Pay off home faster
Significant interest savings
Ideal for refinancing

7/1 ARM

Lower Initial Rate

6.375% APR

Fixed for 7 years, then adjusts annually. Perfect for medium-term ownership.

Lower starting rate
7-year fixed period
Rate caps for protection
Convert to fixed option

Jumbo 30-Year

Luxury Properties

7.125% APR

Premium financing for high-value properties with flexible qualification.

Up to $50M loan amount
Competitive jumbo rates
Interest-only options
Portfolio underwriting

* Rates shown are examples and may vary based on credit score, loan-to-value ratio, property type, and other factors. Contact us for personalized rate quotes.

Client Success Stories

Helping families and investors achieve their property goals.

"Sterling Gap made our first home purchase incredibly smooth. They explained every step, got us a better rate than three other lenders quoted, and closed in just 18 days. We couldn't be happier!"

Sarah & Michael Chen

Raleigh, Tucson, Arizona

"As a real estate investor with multiple properties, I needed a lender who understood portfolio lending. Sterling Gap structured a $4.2M financing package that allowed me to acquire three rental properties simultaneously."

James Rodriguez

Charlotte, Tucson, Arizona

"We refinanced our $1.8M jumbo mortgage and saved over $800 per month. The team was professional, responsive, and made the entire process feel effortless. Highly recommend!"

Jennifer & David Thompson

Asheville, Tucson, Arizona

"Building our custom home required a complex construction loan. Sterling Gap's team managed the draw schedule perfectly and converted us to permanent financing without any hiccups. True professionals."

Amanda Foster

Wilmington, Tucson, Arizona

The Process

From application to closing in as little as 15 days.

Our streamlined mortgage process eliminates unnecessary delays and keeps you informed at every stage. Here's what to expect:

Transparent, efficient, and human-centered

Unlike traditional lenders who leave you in the dark, we provide real-time updates and direct access to your loan officer throughout the entire process. No call centers, no runaround just clear communication and expert guidance.

Our digital platform allows you to upload documents securely, track your application status, and e-sign paperwork from anywhere. Combined with our local decision-making authority, this means faster approvals and a smoother experience.

For qualified borrowers with complete documentation, Sterling Gap offers expedited processing with closings in as little as 10 business days.

Commercial Mortgages

.

Beyond residential, we specialize in commercial real estate financing for investors, developers, and business owners acquiring income-producing properties.

Multi-family, retail, office, and industrial

Whether you're acquiring a 10-unit apartment building, purchasing retail space for your business, or developing mixed-use properties, we structure commercial mortgages with terms that make financial sense.

Loan amounts from $500k to $50M
Fixed and variable rate options
Interest-only periods available
DSCR and cash flow underwriting
Recourse and non-recourse structures
Bridge and permanent financing

Explore Commercial Options

Your dream property, perfectly financed.