Stearns Lending Offers Power and Possibilities for First-Time Home Owners

Branch Manager Ricky Miles

By: Cindy G. Castillo

People, power and possibilities is what Ricky Miles, Branch Manager for Stearns Lending brings to the table.

Becoming a homeowner is not easy and an intimidating process. First-time buyers will most likely believe that they are not eligible to buy their very first home.

Miles funds loans for people of all needs whether it be refinance, purchase or home equity. He has been in the business for 10 years.

“We have a lot of programs that would help people get into homes that probably don’t think they can because they don’t have the down payment to do so,” he said.

Born and raised in the Latino community, Miles is familiar with different neighborhoods and understands their needs.

“I want to help people in specific areas become home-owners versus renting or paying too much,” he said.

Stearns Lending gives people up to a $15,000 down payment assistance to buy a home. Its programs like these however, that most people are not aware of.

“A lot of people in the community don’t realize that they have that ability to utilize those programs, he said.

Most importantly, Miles hopes to provide people with the right programs that meet their needs, wants and most importantly, their budget.

“My goal is to make sure that we’re putting people into the programs that benefit them … and make sure that they’re eligible on their own and not having to get help,” Miles said.

Before making any long-term decisions it is important for potential buyers to research, and know how to make the home-buying process better for themselves to lower their interest rates and lower their programs.

“There are a lot of possibilities, and we have the right people. We have the power to help others and that’s what Stearns is all about,” he said.