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BUYING
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Why The Mortgage Stop
Buying a home can be a flurry of paperwork and jargon. Our experienced mortgage bankers make the process understandable.
Loan Programs
Our loan selection is anything but conventional — but we do those too.
Bank Statement
Being your own boss shouldn’t mean a backbreaking path to homeownership. Self-employed borrowers can relax with Stockton Mortgage’s bank statement program, with alternative documentation options of 12 or 24 months of bank statements.
Conventional Loan
Conventional loans are what many people think of when they think traditional home mortgage. This loan is not tied to any government agency but does follow guidelines outlined by Freddie Mac and Fannie Mae (two government controlled companies).
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Doctor Loan
This loan program helps medical professionals qualify for a home loan, even with student loans and limited savings. Eligible borrowers include currently practicing medical professionals or those who’s employment will start within 90 days of closing.
Investor Cash Flow Loan
This program allows you to utilize the future income rental of a property to determine cash flow – meaning that if portfolio growth is a goal, the Investor Cash Flow Loan could make it happen.
Qualification is based on cash flow of the investment property.
How It Works
When you start a journey, it helps to have a map. See what milestones you’ll reach on your way home — we’ll be with you from the first hello to the final congratulations.
1. Talk To Us
Tell us your history, goals, and expectations.​
2. Apply
A full loan application will give us all the details needed to get started.​
3. Put Your Offer In
With an accepted offer, we pull everything together and send it to processing.
4. We Process Your Loan
With an accepted offer, we pull everything together and send it to processing.
5. Your New Home Is Appraised
An appraiser visits your new home and creates a report indicating it’s value.​
6. Underwriting & Approval
Our underwriters review your loan, ensure everything is there, and we notify you that you’ve been approved!
7. Sign A Disclosure
Your closing day is scheduled no fewer than 3 days from your signed closing disclosure date.
8. Close On Your Home
Review and sign the paperwork, making the home officially yours.