Steven Dearborn NMLS 308533

Steven Dearborn NMLS 308533 Steve Dearborn

Mortgage Loan Officer

Hi, my name is Steve A Dearborn. We specialize in residential home loans for real estate purchase and refinances.

“The Home Mortgage Resource” page is here to educate you and keep you up to date on program changes and or options that you may have when it comes to your next home purchase or refinance. - NMLS # 308533
Spectra Home Mortgage - NMLS # 836603 I am a Mortgage Loan Officer with a small family owned broker company Spectra Home Loans in the south metro of the twin cities. I have a passion for he

lping clients achieve their dreams of home ownership. For over 20 years I have built a solid reputation of exceeding my clients’ expectations with excellent counsel and service. Building trust with my clients by understanding their financial goals and offering mortgage solutions that meet or exceed those goals with education and transparency from the first conversation is the formula of success for my clients.

06/12/2025
This Memorial Day, we pause to honor the brave men and women who made the ultimate sacrifice to protect our freedom. The...
05/26/2025

This Memorial Day, we pause to honor the brave men and women who made the ultimate sacrifice to protect our freedom. Their courage and service will never be forgotten.

Please note that our offices will be closed Monday in observance of the holiday.

Wishing you a meaningful Memorial Day.

From getting pre-approved for a mortgage to knowing what to look for, being prepared can make all the difference in find...
05/21/2025

From getting pre-approved for a mortgage to knowing what to look for, being prepared can make all the difference in finding your dream home.

Ready to start your spring house hunt? Our team is here to guide you every step of the way — let’s make your dream first home a reality!

Thinking about buying a home? 🏡 One of the best things you can do before applying for a mortgage is to check in on your ...
05/19/2025

Thinking about buying a home? 🏡 One of the best things you can do before applying for a mortgage is to check in on your credit score. Lenders use this number to determine loan eligibility and interest rates, so improving it now can help you secure better terms.

Swipe through for a few simple ways to boost your credit score before you apply ↩️

Have questions about home financing? Our team is here to help! Reach out anytime.

Buying a home is exciting, but navigating the mortgage process can feel overwhelming. That’s why we’ve broken it down st...
05/08/2025

Buying a home is exciting, but navigating the mortgage process can feel overwhelming. That’s why we’ve broken it down step by step so you can approach your journey with confidence.

Ready to make your dream home a reality? Let’s get started! Contact us today to begin your path to homeownership!

As the seasons change, it’s the perfect time to reassess your mortgage. Refinancing this spring could mean: ✅ Lower inte...
04/24/2025

As the seasons change, it’s the perfect time to reassess your mortgage. Refinancing this spring could mean:

✅ Lower interest rates, translating to big savings over time
✅ Reduced monthly payments to free up cash for other goals
✅ Opportunities to consolidate debt or fund home improvements

Ready to explore how refinancing could work for you? Our team is here to help you unlock the savings potential in your home. Let’s make this spring a season of financial growth!

It’s time for the big question: Are you Team Peeps or Team Cadbury? Around the office, we’re proudly team Peeps. Hop int...
04/18/2025

It’s time for the big question: Are you Team Peeps or Team Cadbury? Around the office, we’re proudly team Peeps. Hop into the comments and let us know your favorite.

No matter your favorite treat, we hope your Easter weekend is filled with laughter, love, and sweet surprises. If there’s anything we can do to help, don’t hesitate to reach out.

Spring ushers in a lively housing market, and with it comes trends that can influence the market. Here’s what you need t...
04/15/2025

Spring ushers in a lively housing market, and with it comes trends that can influence the market. Here’s what you need to know↩️

Understanding seasonal trends can help you make smarter decisions. Interested in exploring your mortgage options this spring? Reach out — we’d love to find the mortgage that’s right for you!

Navigating the world of mortgages can feel overwhelming, but with the right guidance, finding a loan that fits your fina...
04/08/2025

Navigating the world of mortgages can feel overwhelming, but with the right guidance, finding a loan that fits your financial goals and lifestyle is absolutely achievable. Whether you’re buying your first home, upgrading, or refinancing, knowing what to look for in a mortgage can save you time, stress, and money.

Curious about where to start? Swipe through for six essential tips that will simplify your journey to homeownership and help you make an informed decision ↩️

Ready to take the next step or have questions along the way? Our team is here to guide you every step of the way. Let’s connect today!

Spring is here, and so is the traditional busy season for real estate! Here’s why now is the ideal season to make your m...
04/03/2025

Spring is here, and so is the traditional busy season for real estate! Here’s why now is the ideal season to make your move:

✅ More homes tend to hit the market, giving you more options to find your dream home.
✅ Due to increased competition, homes are often priced lower than at other times of the year.
✅ Longer daylight hours and blooming neighborhoods make house hunting a breeze.
✅ Starting the search now ensures families can get into their new homes before a new school year begins.

Whether you’re a first-time buyer or looking to upgrade, our team is here to help you find the best mortgage for your unique situation. Reach out today for personalized guidance!

Last week, mortgage rates continued their downward trend, improving market conditions for homebuyers and those consideri...
03/13/2025

Last week, mortgage rates continued their downward trend, improving market conditions for homebuyers and those considering refinancing.

Here's an overview of where rates started this week, courtesy of Bankrate:

🏠 30-year fixed: 6.67%

🏠 15-year fixed: 5.95%

🏠 5/1 ARM: 6.04%

🏠 FHA 30-year fixed: 6.54%

🏠 30-year VA: 6.41%

🏠 Jumbo 30-year fixed: 6.72%

Please note: these interest rates do not constitute an offer to lend but are meant to represent and compare current trends. Rates are subject to change without notice and may fluctuate on any business day. All loans are subject to credit approval.

In honor of Black History Month, we’re celebrating the powerful legacies of Black leaders who shaped the labor movement....
02/25/2025

In honor of Black History Month, we’re celebrating the powerful legacies of Black leaders who shaped the labor movement. Whether it’s historic figures like Mary McLeod Bethune and A. Philip Randolph or modern-day changemakers like Chris Smalls, these individuals have fought for justice, equality, and better lives for workers.

Swipe through to learn more about these extraordinary leaders and their impact. Together, let’s honor their legacy and continue the work they started.

Address

750 S. Plaza Drive , #319
Mendota Heights, MN
55120

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+16512694591

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