Shantanu Sharma

Loan Officer

Bio: NMLS # 1677482

Phone: (646) 659-6400

NMLS#: 1677482

License states: Pennsylvania, Tennessee, Washington, Virginia, Colorado, New Jersey, California

Spoken Language: English, Hindi

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My reviews on Zillow

I would refer Stem Lending any day at any time to everyone. Shantanu has been very cordial and patient. He took a lot of time in explaining and navigating us through the process, being first time buyers, we had a lot of questions, and he answered every one of them. Be it locking the rates, closing and working with the title company, Shantanu had helped us understand and walk us through every detail with a lot of patience. Thank you so much Shantanu!!
I had a great experience working with Shantanu from Stem Lending. He is very knowledgeable and patient. I felt comfortable asking any questions related to the mortgage and Shantanu would give a clear answer while providing supporting documentation whenever possible. He has been very understanding and transparent about any possible outcome of the transaction. He walked me through several scenarios and provided the information I needed to make a decision with confidence.
We had a great experience working with Stem Lending! Shantanu is extremely knowledgeable about the mortgaging process - the options, rates, points, fees, etc. - and is passionate about helping homebuyers to find the best deals possible. As first-time buyers, the whole process seemed daunting before speaking with Shantanu and he put us at ease right from the get-go. He was available for all the questions we had and provided some great resources along the way which I'm sure we will be keeping with us. Even when our heads were down with the crazy market dynamics, he was someone who constantly encouraged us to not lose hope and keep looking for the right home. Compared to peers in the market, we had a great experience communicating with Stem Lending and were very impressed with their portal that eased the documenting/paperwork process. Balancing the wealth of information with data visualizations and numbers helped us in making our informed choice and we'd highly recommend Stem Lending!

My reviews on Loan Factory

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 185 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed many loans, we can negotiate and obtain ridiculously low rates from lenders.
  • 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.



Number of Lenders

What makes us different?


  • Provide customized, real-time rate quotes
  • Immediate notification of any market rate movements
  • Comprehensive rate comparisons across all lenders

Other brokers

  • Provide customized, real-time rate quotes
  • Immediate notification of any market rate movements
  • Comprehensive rate comparisons across all lenders
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