What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
Using two decades of mortgage experience, Bret has quickly become a trusted lending partner among clients and industry associates. He actively goes out of his way to provide exceptional hands-on experience and prides himself on product and process knowledge, making every effort to source the best loan for each borrower’s needs.
When it comes to his work, there’s nothing that brings Bret more joy than building rapport and educating clients. Looking out for his borrowers’ interest during one of the most important life decisions is what drives him to do his best each day. That mindset has contributed to Bret’s numerous industry accolades including prestigious Presidents Clubs recognitions.
Bret has been married to his wife Cara since college and together they have 3 sons. In his free time, Bret enjoys traveling, golfing, coaching soccer, and listening to music. He regularly volunteers and contributes to scholarship organizations that help local high school students going to college. Please contact Bret for any of your mortgage financing needs!
CA LIC# CA-DOC276433
Mortgage Education Videos
Glen M, Rancho Mirag from Rancho Mirage , CA via Zillow
The service that Bret provided was precise (no errors), timely (he was very quick to respond to questions & to provide paperwork for us to sign), and very friendly/personable too. What more could you ask for?!?! Bret & his support team were very professional, nice and competent. The process could not have gone more smoothly. Thank you, Bret!
jzangwill77 from San Jose , CA via Zillow
I've worked with Bret twice now on refinancing my home and he is the ultimate professional. He makes the process simple, understandable, presents multiple options, and looks out for the best interest of his clients. I wouldn't work with anyone else.
ljswear from Palm Desert , CA via Zillow
We recently purchased a second home through Stearns Lending. Bret was very helpful in guiding us through all the paperwork and how to use their App. He got us an amazing interest rate and also he’s easy to get a hold of for any questions you may have. We were very impressed overall with all of the people that Bret used to make this home sale happen. Highly recommend!
bmanlbc from Rancho Mirage , CA via Zillow
Bret and his team are the best. From the time of application to the close of escrow, they were by our side! Bret knows the market in the area and that is a big plus when purchasing property in the country clubs in the area. With my surgery pending the same week as the close of the deal, Bret pulled out all the stops to make sure we closed on time. Thanks again for all the help!!!
zuser201812021151104 from Indio , CA via Zillow
Bret and his team at Stearns lending were the best, they made my experience smooth and Easy. We closed on the property the day he told me it would close.I highly recommend Bret and his team, Thank you very much.
gusalini from Coachella , CA via Zillow
Working with Stearns was a great experience. It was A stress free experience. They very open and straight forward about the process and called when my loan was approved that was very nice of them.Very professional
hayeswv from La Quinta , CA via Zillow
Bret is one class individual. Always at the ready to answer any and all questions and address every and I mean every concern that came my way. I call on numerous occasions.....if I got the answering machine I always got a call back within 5 minutes of msg. What really help him always keeping me abreast of any development....letting me know what will be happening within the next couple of days, Nothing every came as a surprise.. Thanks Bret the Best.
Don Dusatko from Rancho Mirage , CA via Zillow
Communication, professional, knows how to get the job done effectively and in a timely manner. Bret or his processor always returned our calls or emails expeditiously. He will guide you through the never ending process of required documentation.
Palm Desert , CA via Zillow
Yes....He calls you back.....quickly....or better than that....HE PICKS UP HIS PHONE WHEN IT RINGS!!! Maybe that is elementary, but these days it is rare to actually REACH a real live person. Bret returned each and every call that he didn't actually pick up. His attitude was stellar! Always anxious to help and thinking about his client over himself. Bravo Bret!
Palm Desert , CA via Zillow
Would highly recommend Mr. Bret Cohn. Purchased my first home and the voluminous paperwork process was a bit overwhelming coupled with my total lack of computer expertise. Mr. Cohn assisted me with professionalism, non-stop helpfulness and patience with my computer challenges. He went above and beyond to assist and I am grateful that our fabulous realtor referred us to Mr. Cohn. He represents the true meaning of being an asset to any organization he is associated with. Thank you Mr. Cohn and your fine team at Stearns.
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I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.