Our Story
Mortgages Built for the Modern Homebuyer
Sterling Home Loans was founded on a simple belief: getting a mortgage shouldn't feel like a second job. We built a faster, clearer process — and we close in 15 days on average.
Our Mission
Why we built Sterling differently
Traditional mortgage lending is slow, opaque, and stressful. Borrowers wait weeks for answers, shuffle paper between offices, and often don't understand what they're signing until they're at the closing table.
We set out to change that. Sterling Home Loans combines technology-driven underwriting with a dedicated loan specialist for every client — so you get the speed of a digital lender and the guidance of a trusted advisor.
Since our founding, we've helped thousands of families buy homes, lower their payments, and build wealth through real estate. We're proud of every closing, and we're just getting started.
What We Stand For
Our core values
Speed without shortcuts
Our technology accelerates underwriting and approval — without cutting corners on accuracy or compliance.
Radical transparency
No hidden fees, no surprise line items. Every rate, term, and cost is explained in plain language before you commit.
People behind the process
Every borrower works with a dedicated loan specialist from application to closing — a real person, not a chatbot.
Built for every borrower
First-time buyers, veterans, investors, and move-up buyers all deserve a great experience. We serve them all.
Leadership
Meet the team
Experienced professionals united by a shared belief that homebuyers deserve better.
Janet Regalado
Founder & CEO
Janet spent 15 years in financial technology before founding Sterling with a mission to modernize the mortgage experience for everyday homebuyers.
Rebeca Perez
Chief Lender u/w
Rebeca brings two decades of mortgage underwriting expertise and oversees loan quality, compliance, and lender relationships across all 50 states.
Tyler Heard
Head of Technology
Tyler leads the engineering team behind Sterling's proprietary loan platform, which cuts average approval time from weeks to days.
Monica Perez
co-founder & broker
Monica built Sterling's loan specialist program from the ground up, ensuring every borrower has a dedicated advisor throughout the process
Sterling Home Loans is licensed to originate mortgage loans in all 50 states. NMLS Consumer Access: nmlsconsumeraccess.org. Rates and terms are subject to change without notice. Not a commitment to lend.