General FAQ

Stockton Mortgage is a leading mortgage lender, providing a wide range of financing options for homebuyers. With years of industry experience, we are committed to helping individuals and families achieve their homeownership dreams.

We offer a diverse selection of mortgage options tailored to meet the unique needs of our clients. Some of our popular loan programs include:

• Conventional Mortgages
• FHA Loans
• VA Loans
• USDA Loans
• Jumbo Loans
• Adjustable-Rate Mortgages (ARMs)
• Fixed-Rate Mortgages

Our knowledgeable loan officers can guide you through the options and help you choose the right mortgage for your specific circumstances.

Several factors influence mortgage eligibility, including:

• Credit score and history
• Income and employment stability
• Debt-to-income ratio
• Down payment amount
• Property appraisal

Our team of experts will assess your situation and provide personalized guidance to improve your chances of securing a mortgage.

To complete your mortgage application, you will generally need to provide the following documents:

• Proof of identification (driver’s license, passport, etc.)
• Proof of income (pay stubs, W-2 forms, tax returns)
• Bank statements
• Employment verification
• Asset documentation (investments, retirement accounts, etc.)
• Additional documents may be required based on your specific circumstances

Our loan officers will guide you through the documentation process and ensure a smooth application experience.

The mortgage approval process can vary depending on factors such as loan type, complexity, and documentation provided. Generally, it takes between 30 to 45 days from application submission to loan approval.

Absolutely! Stockton Mortgage offers a pre-approval process that helps you determine your home buying budget. Pre-approval involves a thorough assessment of your financial situation and creditworthiness, allowing you to shop for homes with confidence. Contact us to learn more about our pre-approval process.

PMI stands for Private Mortgage Insurance. It is typically required when the down payment on a home is less than 20% of the purchase price. PMI protects the lender in case of default. However, there are mortgage programs available that do not require PMI. Our loan officers can discuss the options and guide you in choosing the most suitable mortgage for your needs.

Yes, Stockton Mortgage offers refinancing options to help you reduce your monthly payments, adjust your loan term, or take advantage of better interest rates. Our refinancing programs are designed to align with your financial goals and improve your overall mortgage experience.

We understand the importance of staying informed throughout the mortgage process. Once your application is submitted, we provide you with a personalized online portal where you can easily track the status of your application, submit additional documents, and communicate with your loan officer.