About this location

Our experienced Stockton mortgage bankers are helping those in the community find the best financing options available to them. We offer a variety of  home loan options even some with low or no down payment. We welcome everyone! Call us if you are a first time home buyer, a veteran looking for a VA mortgage, someone interested in a 203k Loan / Fixer Upper Loan, or just have a question about home buying.

Real Reviews

"Vicki and her team made the process so smooth. They always explained each step and set our expectations. I would recommend them to anyone looking to purchase a home." - Stuart

"Vicki was a pleasure to work with the moment I first contacted her. I knew nothing about buying a house before I began the process. Her patience and kindness made me feel completely at ease and positive that the right lender was there for me every step of the way. I will be eternally grateful for the opportunity to have worked with such an asset to your company." - Tanya

"My husband and I recently purchased our forever home! We used Vicki as our Mortgage Banker at Stockton Mortgage Company and could not be happier with the service we received. She was there every step of the way to answer questions and help us understand the process better. She and her colleagues worked very quickly to get our loan taken care of and I would highly recommend them to anyone! We had the best experience and would choose SMC and Vicki if we had to do it again." - Jill

"As first time home buyers, my boyfriend and I were new and unaware of a majority of the steps one has to go through when buying a home. Heather was very supportive of this and took the time to explain in detail and answer all of our questions thoroughly. She was very personable, which made it easy to get along with her, and it also made the process a lot more pleasant and enjoyable. She helped us purchase the home of our dreams, and she made the experience less stressful than we anticipated." - Alexis

"Heather was a true blessing during this process. She really stuck I'm there and helped us when many others wouldn't. I would highly recommend her to anyone I know." - Casey

"Heather works MAGIC! She’s helped us through buying and refinancing, and I would never recommend anyone but her." - Kelsey

"Cindy was very hands on and worked diligently to make it possible for us to close early. She was absolutely wonderful and I would recommend her to everyone. She answered all of my questions and stayed on top of making sure our experience was great!!!" - Eric

"The level of professionalism and the outstanding communications means everything to me. Every question was not only answered but was answered quickly. I can’t thank Cindy enough for making this process so easy with our very hectic schedules. I would absolutely use Cindy again." - Gary

"This is our second time working with Cindy. She is thorough, knowledgeable, and great to work with!" - Rachel

Home Loan Calculators

What will you pay each month?

Want to know what to expect? Use this calculator to estimate your monthly payment.

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Your Monthly Payment

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Includes principle and Interest only. This calculator is assuming that 2% of your total payment is dedicated to tax and insurance. This is not always true and can alter the results.

Remember, this is just an estimate — not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

Budget Calculators

What can you afford?

Not sure how far your money will go? Use this calculator to see how much house you can afford.

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You Can Afford A Mortgage Up To

$100,000

Includes principle and Interest only.

Remember, this is just an estimate — not a legal commitment. Interest rates change often, and your actual rate, payment, or costs may vary. Talk to a mortgage banker today for more information.

Refinance Calculators

How much can you save?

Already have a mortgage? Use this calculator to see what you can save by refinancing.

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Monthly Savings

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Includes principle and Interest only.