Home Purchase Loans
in Stockton

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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.

We Offer These Types of Home Purchase Loans in California

FHA

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.

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VA

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.

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Conventional

Conventional mortgages can be easily customized to your needs. Down payments are available starting at just 3%. We can connect you with conventional financing products featuring a variety of loan terms and fixed or adjustable mortgage rates.

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Jumbo

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.

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USDA

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.

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Investor Property Loan

We also offer financing products which make it fast, easy and affordable to purchase a second home, vacation home, or other investment property.

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How Do You Know What Type of Home Purchase Loan in Stockton to Apply For?

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.

Why Choose H.O.M.E. Lending?

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.

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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Buy a Home in Stockton Today with a Competitive Mortgage

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 info@gethomelending.com. Let’s move you quickly, easily and affordably into your new California home.

Get Pre-Approved Today »