Home Purchase Loans
in Stockton

Get Pre-Approved Today »

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


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.

Learn More


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.

Learn More


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.

Learn More


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.

Learn More


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.

Learn More

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.

Learn More

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

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!
Next Reviews Write a review

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 »