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Building Dreams One Loan at a Time

Trusted Mortgage Solutions delivered with Expertise and Ease.

About me

"I have always enjoyed the mortgage industry because it allows me to be creative and help my clients find the best possible financing options for their needs. I look at my clients as 'customers for life' and take pride in creating a long-term relationship with them. There is nothing more rewarding than getting a referral from a past client; then you know you have done your job well." - Beth Stephans about The Beth Stephans Team. 

Our team brings over 36 years of mortgage experience. What sets us apart is our combined knowledge of all sides of the mortgage process, from origination to closing, giving them a unique perspective of the transaction and a hands-on approach throughout the mortgage process. We look forward to the opportunity to work together. Working with The Beth Stephans Team, you have access to us 24/7.

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Jumbo

Jumbo

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.96
5.0
TIMOTHY
Jun 30, 2024
Verified

Beth was great to work with, she was not pushy but always immediately available whenever I had questions, and everything about the application process was very smooth.
Marshall
Jun 24, 2024
Verified

I've been a realtor for 8 years, and Beth is one of the most knowledgeable and flexible lenders I've worked with. Highly recommend
Triston
May 28, 2024
Verified

Every question I had was answered thoroughly, every request was filled promptly, and I never felt in the dark throughout this process.
Dianne
Nov 12, 2024
Verified

My clients love and trust you
Mary
Nov 12, 2024
Verified

You made it so settlement with no problems!
Beth
Nov 04, 2024
Verified

beth and Galiena are so knowledgeable and Easy to deal with

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NMLS ID #140755
I am authorized to do business in the states of Florida, North Carolina, New Jersey, Pennsylvania and Virginia. Licensed by the N.J. Department of Banking and Insurance; (www.nmlsconsumeraccess.org/);