Fannie Mae Homestyle
Want to buy or refinance and customize along the way? The Fannie Mae Homestyle loan blends conventional financing with the flexibility to personalize your home.
Simply put: this loan covers almost any permanent improvement from appliances to additions on primary, second homes, or investment properties.
Minimum 640 credit score (680 for investment properties) and contractor validation is required. DU approval and 2–5 draws may apply.
Loan Programs
Bank Statement
Being your own boss shouldn’t mean a backbreaking path to homeownership. Self-employed borrowers can relax with Stockton Mortgage’s bank statement program, with alternative documentation options of 12 or 24 months of bank statements. Being your own boss shouldn’t mean a backbreaking path to homeownership. Self-employed borrowers can relax…
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Conventional Loan
Our conventional loans can be a fixed rate or adjustable rate mortgage. With a variety of down payment options, the minimum down payment requirement is 3%. There are also options that avoid mortgage insurance. Our conventional loans can be a fixed rate or adjustable rate mortgage. With a variety…
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FHA Limited 203K
Perfect for minor updates or repairs, the FHA Limited 203K offers a simple way to roll renovation costs into one affordable FHA loan. Perfect for minor updates or repairs, the FHA Limited 203K offers a simple way to…
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FHA Loan
The Federal Housing Administration (FHA) loan is a great option for borrowers without a large amount in savings. The Federal Housing Administration (FHA) loan is a great option for borrowers without a large…
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FHA Standard 203K
Need more than just paint and flooring? The FHA Standard 203K gives you the buying power to tackle bigger renovations like kitchens, roofs, or structural repairs. Need more than just paint and flooring? The FHA Standard 203K gives you the buying…
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FreddieMac Choice Renovation
From storm repairs to modern upgrades, FreddieMac Choice helps you make your house truly yours with the benefits of conventional financing. Simply put: this program supports permanent improvements and is flexible enough for primary homes, second homes, or investment properties. Requires a minimum 640–680 credit score and LP approval. Ask... From storm repairs to modern upgrades, FreddieMac Choice helps you make your house truly yours…
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Hobby Farm Home Loan
The Hobby Farm loan is for homes with 5 – 160 acres. Rural areas, non-contiguous parcels permitted. Not eligible for full time Farming operations. This program is good for customers looking for a place to have horses, hunting property, etc. The Hobby Farm loan is for homes with 5 – 160 acres. Rural areas, non-contiguous…
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Home Equity Line of Credit (HELOC)
This alternative to a cash-out refinance allows a borrower to use the equity in their home without refinancing their mortgage. This alternative to a cash-out refinance allows a borrower to use the equity in their…
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Investor Cash Flow Loan
With Stockton Mortgage’s Investor Cash Flow Loan, it’s never been easier to break into real estate investing. This program allows you to utilize the future income rental of a property to determine cash flow – meaning that if portfolio growth is a goal, the Cash Flow Loan could make it happen. With Stockton Mortgage’s Investor Cash Flow Loan, it’s never been easier to break into real…
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ITIN Loan
Stockton Mortgage offers solutions for people who have an Individual Tax Identification Number (ITIN) who are looking for a mortgage or wish to finance their existing mortgage. With our ITIN Loan Program, we may be able to utilize written verification of employment and bank statement payroll deposits in lieu of paystubs. Stockton Mortgage offers solutions for people who have an Individual Tax Identification Number (ITIN) who…
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