Purchasing a home in Stockton or the surrounding area can be both easy and affordable when you work with H.O.M.E. Lending on your mortgage.
We offer a wide spectrum of home purchase loan products in Stockton and throughout California. That way, every homebuyer can quickly be matched with the most affordable mortgage for their needs.
An FHA mortgage is backed by the Federal Housing Administration (FHA). Eligible homebuyers can put just 3.5% down on their new homes while paying affordable mortgage rates. You may qualify for this product even if your credit score is not perfect.
Another flexible credit qualification loan program which can keep mortgage rates affordable is the VA loan program insured by the Department of Veterans Affairs (VA). If you qualify, you can move into a new home in Stockton with zero down.
If you need to borrow above the Fannie Mae and Freddie Mac conventional loan limits, a jumbo mortgage can help you to purchase a home.
Buying a home in a rural area? You may be eligible to finance your purchase with a USDA mortgage insured by the US Department of Agriculture (USDA). Put zero down with this type of mortgage and look forward to competitive mortgage rates even without perfect credit.
The right type of home purchase loan to apply for depends on a variety of factors. Some of these include:
What you qualify for based on your credit score, debt-to-income ratio, cash reserves, and other financial metrics.
How long you plan to live in the house you are purchasing.
Where the home you are buying is located in what type of property it is.
Your overall financial situation and what you can afford each month.
How much money you have for a down payment.
Our mortgage rates are some of the lowest in the region, and we even offer Par pricing.
We provide an optional credit to apply towards your closing costs.
Communicating clearly with you through every step of the lending process is a priority to us at all times.
“H.O.M.E.” in our name stands for what we strive to provide to every customer who comes to us: “Home Ownership Made Easy.”
Our no-fee loans make the homebuying process as affordable as possible so that you have more money available to spend on the home itself.
Our 10-minute over-the-phone pre-qualification process and our 24-hour underwriting process help you meet your timetable even when you need to close rapidly on a purchase.
If you need help raising your credit, we can work with you through our free credit counseling program to boost your score before you apply.
Don’t wait to purchase your dream home in Stockton. Beautiful homes in our area sell fast! To schedule your consultation for your home purchase loan, please call (209) 477-0262 or email firstname.lastname@example.org. Let’s move you quickly, easily and affordably into your new California home.
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.