Loan Programs

Our loan selection is anything but conventional. But we do those too. A mortgage should never be one-size fits all. We offer a wide variety of loan programs because we serve a wide variety of customers, and because we understand everyone has different circumstances, it’s best to discuss your options with a mortgage banker.

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. Click to find out more about what a conventional mortgage is and if it could work for you.

FHA Loan

The Federal Housing Administration (FHA) loan is a great option for borrowers without a large amount saved for a down payment; it is easy credit qualifying. Note, the maximum loan amount is dependent on county. Click to find out more about what an FHA loan is and if it could work for you.


The  Rural Housing Services (RHS) / US Department of Agriculture (USDA) loan is available in certain rural areas and for families who meet the income restrictions. There is no down payment required and offers flexible credit guidelines. Click to find out more about what a RHS  loan is and if it could work for you.

VA Loan

This Veterans Administration loan is available to honorably discharged veterans, active duty, or those have completed a total of six years of service in the National Guard or selected reserves. Certain surviving spouses of veterans are also eligible. There is no down payment required, no income restrictions, and no mortgage insurance requirement. . Click to find out more about what a VA loan is and if it could work for you.

Rural Hobby Farm Home Loan

The Hobby Farm Loan accommodates homes on 5 – 160 acres, the property can be income producing. The home must be the primary residence and approximately 30% of the value must be from the home. Click to find out more about what a hobby farm loan is and if it could work for you.

Jumbo Loan

A great option for large loan amounts; too large for a conventional loan. Loan amounts up to $3 Million for owner occupied or $2 Million for second home. This program varies by state, please ask your mortgage banker for more information.

Renovation Loan

We offer a variety of renovation options, rolling the cost of the home repairs into the mortgage. The FHA 203k provides a low-down payment option with structural changes, as well as, minor updates such as painting. The Homestyle provides an option for adding luxury upgrades such as in-ground pools and outdoor kitchens.

Low Down Payment, New Construction Loans

We offer new construction loans for VA, FHA and USDA Loans. These programs are good for customers that can’t find an existing home to purchase, and offers low down payment options.

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 loan amounts up to $3 million, loan-to-value ratios up to 90% and alternative documentation options of 12 or 24 months of bank statements.

Home Equity Line of Credit (HELOC)

A home equity line of credit has its benefits – piggybacking a HELOC onto your mortgage means having funds available at purchase to remodel, update appliances and make your home your home.

Doctor Loan

Presenting no down payments and expanded qualification requirements, this loan program helps medical professionals qualify for a home loan, even with student loans and limited savings. This program features loans up to $850,000 and loan-to-value up to 100%. Eligible borrowers include currently practicing medical professionals or those who’s employment will start within 90 days of closing.

Hobby Farm Home Loan

The Hobby Farm loan is for homes with 5 – 160 acres, Minimum credit score 680, Loan amounts up to $2,000,000.  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.