System Built
Let’s manufacture the perfect loan for you.
Sustainable homeownership is within reach with our Construction-to-Permanent financing for manufactured homes. A permanent foundation opens the door to more mortgage options that afford your vision.
Building a home can be pricey, but we make it easy by rolling everything from land purchase and home build into one affordable loan.
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Low downpayment options
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One approval, one credit check
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No mortgage payments until move-in
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One close, fewer costs than traditional construction
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Use your land for equity or roll it into the loan
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Fixed rates with lock-in and float-down options
How it works
We’ve got options that afford every vision.
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 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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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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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 loan originator for more information. A great option for large loan amounts; too large for a conventional loan. Loan amounts…
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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. We offer new construction loans for VA, FHA and USDA Loans. These programs are good…
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Renovation Loans
Remodeling your current home? Or got your eye on a fixer-upper? Our renovation loans make repairs and upgrades possible. Remodeling your current home? Or got your eye on a fixer-upper? Our renovation loans make…
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