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.

FHA

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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VA

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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Conventional

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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Jumbo

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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USDA

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

Alice Filmer
Alice Filmer
18:29 28 Dec 23
Don and Paula were fabulous at getting our loan processed in record time after a prior lender held up the whole process over a minor paperwork detail. If we had to do it again, we'd go to Don and Paula first!
Noelle
Noelle
16:15 26 Dec 23
We were nearly at the end of our lease and looking for somewhere affordable to live when we were recommended to get in contact with Don. He made the house buying process easy and understandable while getting us in to our first home. Paula was a joy to work with and answered any questions we had. I would definitely work with them again.
RT T
RT T
06:11 11 Aug 23
I want to start by thanking Don, for his experience and knowledge through the process of my Fiancé and I first home purchase together. She was a first time buyer, was a little worried with the process, but Don made sure to keep communication lines open, he addressed all her questions as we placed a bid on our now new home together. She was at ease until the very end were she signed her life away for 30 years. Thank you Don, your experience in homes and construction tipped the scale so we could make an offer on a Home that you knew was a quick fix with tons of potential before we did. Thank you and your staff Paula and others for helping us close in record time. My finance and the kids mentioned they miss going house shopping with you on Saturday's lol.. Thank you again for helping us find and buy this beautiful home.
jazmin gutierrez
jazmin gutierrez
20:36 28 Jul 23
I’m glad I crossed paths with Paula and Don! It’s hard to trust people you don’t know but Homelending earned my trust with time! Paula was very nice and helpful in terms of helping me fill out paperwork and following up. As well calling me and explaining processes.Don-Thanks for always answering my questions even when I asked the same question over and over. Thank you for getting creative to help me get a loan to get my home. You always stayed real and upfront about everything. You are very knowledgeable, kind, flexible, efficient, and understanding. You ran the whole process as smooth as possible with my busy work schedule.Overall this was a great journey, and I couldn’t ask for a better team to work with.
Lindsay Canepa
Lindsay Canepa
20:33 09 May 23
Don was a great lender. We were referred to him from our personal bank. He was patient, kind, knowledgeable and answered all the questions we had as we were first time home buyers! Don made the process easy and stress free! He kept us informed during the process and never left us in the dark. Definitely 10/10 recommend!
nikita parkash
nikita parkash
13:32 04 May 23
Don Burns and his team are absolutely wonderful! As first time home buyers they made my buying experience simple and easy to follow. They’ve really made such a positive impact in my life and I can only wish every home buyer the same amazing experience.
Shane Hart
Shane Hart
16:27 26 Feb 23
Don Burns at H.O.M.E. Lending, and his assistant Paula are an absolute dream team to work with. They were prompt and didn't delay the process in any way. They answered all of my many questions and have been there after the process was over to still answer questions. This entire process took 17 days !! I look forward to working with them again.
Yarn Sage
Yarn Sage
18:43 19 Jan 23
Don and his team were truly wonderful! My husband and I had really bad experiences with previous lenders. We were at the point were we would never get home until Don and his team stepped in. Everything they did was done efficiently.
Angela Finley
Angela Finley
10:59 29 Nov 22
Don and his Team!! Wow!! One of the Best Teams I've had the pleasure of working with and my preferred Lender for all things residential. Home Lending puts The "T" in Team every day. HOME Lending outperformed my client's previous Lender in more ways than one.
ANGELA FINLEY
ANGELA FINLEY
18:31 20 Nov 22
Don and his team !! Wow!! One of the Best Teams I’ve had the pleasure of working with and my preferred Lender for all things residential. Home Lending puts The “T” in Team all day everyday
Kimberly Barnett
Kimberly Barnett
01:57 18 Nov 22
Don and his team really came through for a client who was having issues with his previous lender. We were already in contract, and Don was able to get him pre-approved quickly with a great, competitive rate and we were ready to close in 17 days. Don and his team kept us updated throughout the process and I would recommend him to any of my clients!
gino comporato
gino comporato
21:15 19 Mar 22
Don Burns made the escrow process move 100 times faster. I had a good experience with Don and his team. They helped me purchase my first home.
Kristen Frantz
Kristen Frantz
20:58 06 Nov 21
Don was very helpful when I needed to refinance my home. Was very knowledgeable through the whole process!
Ashley Wise
Ashley Wise
17:09 02 Apr 20
Kelly Hasko
Kelly Hasko
20:46 13 Mar 20
Papa bear A
Papa bear A
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!
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!
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.
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.
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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