Buying a home can come with a lot of paperwork and industry jargon. Amy helps make the process clear and easy to understand.

Loan Programs

Our loan selection is anything

but conventional - but we do

those too.

Conventional Loan

Conventional loans offer flexible options including fixed-rate and adjustable-rate mortgages. Down payment options may start as low as 3% for qualified borrowers, and some programs may offer alternatives to traditional mortgage insurance.

FHA Loan

FHA loans are designed to help make homeownership more accessible, especially for borrowers with lower down payments or less-than-perfect credit. Down payment options may start as low as 3.5% for qualified borrowers.

Renovation Loan

Renovation loans allow borrowers to finance eligible home improvements into the mortgage.

We offer several renovation options, including:

FHA 203(k) loans for repairs, updates, and structural improvements
Fannie Mae HomeStyle® loans for renovations and luxury upgrades such as pools or outdoor living spaces

Bank Statement Loan

Bank statement loans are designed for self-employed borrowers who may not qualify using traditional income documentation.

Eligible borrowers may qualify using 12 or 24 months of personal or business bank statements instead of tax returns.

RHS / USDA Loan

USDA loans are available in eligible rural areas and offer 0% down payment options for qualified borrowers.

These loans feature flexible guidelines and household income limits apply. Property eligibility is based on location and USDA requirements.

ITIN Loan

Stockton Mortgage offers financing options for borrowers using an Individual Tax Identification Number (ITIN).

Depending on the program, alternative income documentation such as bank statements or verification of employment may be used in place of traditional paystubs.

Jumbo Loan

Jumbo loans are designed for higher loan amounts that exceed conventional loan limits.

Options may be available for primary residences and second homes, with loan limits and guidelines varying by program and state.

Hobby Farm Loan

Hobby Farm loans are designed for homes on larger parcels of land, typically between 5–160 acres.

These properties may include space for horses, recreation, or hunting, but are not intended for full-time farming operations.

VA Loan

VA loans are available to eligible veterans, active-duty service members, qualifying National Guard and Reserve members, and some surviving spouses.

VA financing offers benefits such as flexible guidelines and 0% down payment options for eligible borrowers.*

Construction Loans

We offer construction financing options with low down payment programs, including FHA, VA, and USDA construction-to-permanent loans for eligible borrowers.

These programs can help buyers build instead of purchasing an existing home.

Home Equity Line of Credit (HELOC)

A HELOC allows homeowners to access available equity without refinancing their current mortgage.

Funds may be used for renovations, debt consolidation, large expenses, or other financial needs.

*Qualifications apply for no down payment VA loans.
The interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible and the consumer should consult their tax advisor. 100% financing may not include closing costs. Stockton is not affiliated with any government agencies. Materials are provided by Stockton Mortgage and are not from HUD or FHA. This is not an offer to enter into an agreement. Credit subject to age, property and some limited debt qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change. Other restrictions and limitations may apply.

Learn what refinancing could mean for you.

Thinking about refinancing?

Refinancing your mortgage
can mean a new interest rate, a
new monthly payment, or a
new repayment period.

Turn the house you have into the home you want

You can roll in the costs of home repairs or upgrades.

Pay down debt

Use the equity you've earned in your home to pay off debt.

Put more money in your pocket

Lower your monthly mortgage payment and spend more on

building memories with those closest to you.

For refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Tell us your goals. We'll help you figure out your next move.

Get Started