VA Renovation Loan
Veterans can combine the power of VA benefits with the ease of a renovation loan without needing a second mortgage or extra financing.
Simply put: VA Renovation lets you finance eligible repairs and improvements upfront, with no down payment required for purchases.
Available for primary residences with a 640+ credit score. HUD consultant not required, but 2–5 draws are typically used for contractor work.
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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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. Want to buy or refinance and customize along the way? The Fannie Mae Homestyle loan…
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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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