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.
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.
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.
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.
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.”
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 email@example.com.
Top Rated Mortgage Broker In Stockton
H.O.M.E. Lending is located on 1919 Grand Canal Blvd A6, Stockton. Located about 10.5 miles from the Stockton Metropolitan Airport (SCK). From the 5 Fwy exit March Ln and turn east. Then turn right at the 3rd light (McGaw) and turn into the first drive way. H.O.M.E. Lending is located directly across the street from F&M Bank.
We are open Monday - Friday 8am - 6pm.
For additional questions you can call us at (209) 477-0262 or you can find us on Yelp.
H.O.M.E. Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.