First-Time Homebuyer Loans
in Stockton

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Stockton, California is a wonderful place to purchase your very first home. Its central location puts you within a stone’s throw of San Francisco, Sacramento and San Jose.

At the same time, homes in Stockton are affordable, allowing you to enjoy the advantages of the region without the high costs that you might find in nearby cities.

At H.O.M.E. Lending, we want the process of choosing a home loan to be easy and affordable so that you can focus your time and effort on finding the perfect house to call your own.

We Offer These First-Time Homebuyer Loan Programs to Borrowers
in California

Following is a list of the first-time home buyer programs that we offer in Stockton and throughout California.


One of our most popular lending products for first-time homebuyers is the FHA mortgage program insured by the Federal Housing Administration (FHA). Featuring flexible credit qualification and down payments as low as 3.5%, it is available throughout the state.

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For veterans, active-duty service members and eligible surviving spouses, we have the VA loan program insured by the Department of Veterans Affairs (VA). Purchase a home with zero down and no private mortgage insurance.

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A conventional mortgage also be an excellent choice for a first-time homebuyer. Some conventional home loans are available with down payments as low as 3%.

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As a first-time homebuyer, you can qualify for a competitive jumbo mortgage if you have a low risk profile. This makes it possible to borrow more to purchase a more expensive property.

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The income-based USDA loan program insured by the US Department of Agriculture (USDA) helps first-time homebuyers in rural locations to purchase their dream homes with zero down.

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Why Choose H.O.M.E. Lending for Your First Mortgage?

If you are concerned about affording your closing costs, we offer a solution in the form of an optional lender credit to cover closing costs up to 3% of the total loan amount.

We work extensively with first-time homebuyers in Stockton and throughout California to buy their dream homes easily and affordably. To make that possible, we offer free consultations, free credit counseling, Par pricing, and some of the area’s lowest rates. We even offer mortgages with no fees.

Our mortgage information is always up-to-date. We make it our mission to provide you with the broadest selection of affordable home loan products so that you can pick the most suitable mortgage for your needs.

You can complete our entire loan pre-qualification process over the phone within just 10 minutes. Underwriting takes only 24 hours.

Customer service matters just as much to us as it does to you. We will be in constant communication with you throughout the lending process. Our loan experts put your needs first at all times, and take as much time as necessary to answer all the questions you may have about purchasing your first home in Stockton.

Above all, we do everything in our power to make this process smooth and simple. This is summed up in what “H.O.M.E.” stands for in our name: “Home Ownership Made Easy.”

What Our Clients Are Saying

22:40 28 Jan 20
My experience with HMLC has been exceptionally good, as a veteran, I would recommend HOME Mortgage Lending Co. knowledge of Veterans benefits and needs is a plus.
Vanessa Medina
Vanessa Medina
17:18 07 Oct 19
I had an AMAZING first-time home buying experience with H.O.M.E Lending! Don Burns and his assistant Paula were a joy to work with and made every step of the way extremely easy and stress free. I loved that I was kept informed through each step as progress was made, and I felt like my experience was customized, rather than feeling like "just another client." I will definitely be bringing my business back in the future! Still in awe with my home and the treatment I was given!read more
Ashley Acker
Ashley Acker
16:57 04 Oct 19
Don and his team will do everything possible to get you in a home you truly love! They are excellent at prompt communication, and were so kind and patient while we asked a million questions about the homebuying process. Few things are more stressful than buying your first home, and Don and Paula were so great and made it so easy. Don kept us aware of the rates and made sure to lock in our loan when rates were the best for us. He is an excellent agent, broker, and lender, and has SO much knowledge about every single step of the process! Thanks so much, Don and team!read more
Christy Werner
Christy Werner
16:44 15 Sep 19
Don and his staff at H.O.M.E. Lending went far above and beyond to assist me with a (by no fault of theirs) complicated sale of my home and purchase of a new home. Had it not been for Don and his staff, I would not be sitting happily in the home of my dreams right now. Don was a wealth of knowledge and a huge support throughout the entire transaction. His staff was professional, pleasant and amazing to work with. I will, without reservation, be recommending H.O.M.E Lending to my friends and family. I am very grateful that I found H.O.M.E. Lending.read more
Kevin Goehring
Kevin Goehring
19:13 11 Sep 19
I met Don Burns when he represented a buyer for a property I had listed. I was very impressed with Don's communication, professionalism, and attention to detail. In fact, I was so impressed with Don and the H.O.M.E Lending team that I have referred several of my clients to them for their refinance and purchase money needs. These referrals have all been pleased with the service and low rates. I have been equally as happy with the quick and easy closing and outstanding communication throughout the process. I have found that Don and the H.O.M.E Lending team actually care about their clients and offer a personal touch not found with the big banks.read more
Shari Cardenas
Shari Cardenas
20:08 20 Aug 19
Don Burns and company, we're all Amazing! Never had hubby and I thought we'd own. Don helped us with plan to pay credit and get a loan! I'm sitting in my new beautiful forever home!!! Thanks guys!
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Apply For Your First Home Loan in Stockton Now

It does not have to be complicated to purchase your first home, however many questions you may have heading into the process. H.O.M.E. Lending makes buying your first home easy. To schedule your consultation and get pre-qualified now, please call (209) 477-0262 or email info@gethomelending.com.

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