Investment Property Loans
in Stockton

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If you are in the market for a second home, vacation home, or investment property in Stockton or the nearby area, H.O.M.E. makes it fast and easy to apply for a suitable loan.

If you spot an exciting real estate investment opportunity, you can be sure that you are not the only one to have noticed it. That is why we close fast so that you can be the one to scoop up that valuable property before competing buyers get the chance.

Stockton Investment Property Loan Requirements

While applying for an investment property loan is similar in some respects to applying for a mortgage for a primary residence, there are some differences in the requirements.

The down payment requirement will typically be higher for this type of mortgage, usually around 20% at the minimum. You also will need sufficient funds to cover the closing costs.

Planning to rent out your investment property? If so, you will need to decide whether you want the rental income to be factored in when determining your eligibility. If you do, you will need to demonstrate that you have the minimum required property management work experience.

As with any type of mortgage, your credit score and DTI ratio will be assessed when determining whether to offer you an investment property loan.

Cash reserves will be assessed during the application process. Ideally, you should have a minimum of six months’ reserves.

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!
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Apply for an Investment Property Loan in California Now

At H.O.M.E., we want to make it as fast and easy for you to qualify for an investment property loan as it would be to qualify for a mortgage for a primary residence. To schedule your consultation for a loan for a second home, vacation home or other investment property, please call (209) 477-0262 or email info@gethomelending.com.

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