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Why Stockton?

Our Site-Built Construction to Permanent loan program is your customer’s answer to financing for building dream homes. With conventional and government programs with low downpayment options and flexible draw schedules, we make the process easy for you and them.

Growth Opportunity

By partnering with Stockton Mortgage, you gain the advantage of freeing up lines of credit essential for growing your business and helping your customers call one of your homes, theirs.

Less Hassle

One qualification, one close, one promissory note, and one deed of trust – meaning fewer closing costs than the traditional construction loan.

Lock Options

Multiple lock options are available, locking loans for up to 180 days – so your customer has peace of mind while you work to get the job done.

Experienced Team

Our construction loan experts come with the years of experience needed to be knowledgeable and nimble, giving your customers confidence from application until the day they move into their newly finished home.

Loan programs

The answer to easy and affordable financing solutions for building your dream home.

Conventional Loan

Our conventional construction loans have the potential for a downpayment as low as 3%, with the option for land equity to be used as a downpayment.

FHA Loan

The Federal Housing Administration (FHA) construction loan is a great option for borrowers with fair credit, with the option for a downpayment as low as 3.5% or land equity to be used as a downpayment.


RHS/USDA Rural housing construction loans may be perfect if you’re looking to build in an eligible location, with low and no downpayment options available and the potential for reduced mortgage insurance.

VA Loan

Helping eligible service members, veterans, and eligible surviving spouses build their dream home – no downpayment or mortgage insurance needed.

Credit and other qualifications apply. See representative for details.

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partnering up?

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