Valarie Miller - Mortgage Loan Adviser Nmls#1837016

Finding a pet-friendly home is just as important as finding the perfect home for your family. Stockton Mortgage helps you every step of the way to ensure your furry friends are just as happy as you are. 🐾🏡

Curious about mortgage rates and how they affect your home loan? Our team at Stockton Mortgage breaks it down for you. Stay informed and make the best decision for your future. 📈💡

Are you a first-time homebuyer? Here are some essential tips to get you started on the right foot. 📝
• Get Pre-Approved
• Set a Budget
• Find a Realtor
Ready to take the plunge? Contact us today for personalized advice and support.
This is not a commitment to lend. Qualifications apply. See representative for details.

Welcome to the exciting journey of buying a home! At Stockton Mortgage, we're here to guide you every step of the way. From pre-approval to closing, our experts make the process smooth and stress-free. 🏡✨ This is not a commitment to lend. Qualifications apply. See representative for details.

🏡💡 Need another reason to buy a home this year? Or refinance your existing mortgage? We’ve got just the thing! A Mortgage Free Year Sweepstakes from Stockton Mortgage! 🎉When you close your home loan with us this year, you could win a year without mortgage payments in 2025! Think of what you could do with that extra cash! 💭💸 Dive into home improvements, pad your savings, or explore new horizons on a vacation 🏝️💰 Why wait? Your dream home and a dream YEAR could be just a loan away! See sweepstakes rules for more details: https://stockton.com/sweepstakes/🌟🏠

👶 First-Time Homebuyer Tips 🏡 Here are some tips to help you navigate the process:
1️⃣ Get pre-approved for a mortgage.
2️⃣ Understand your budget.
3️⃣ Work with a real estate agent.
4️⃣ Ask questions! Our team at Stockton Mortgage is here to help you every step of the way!

This is not a commitment to lend. Qualifications apply. See representative for details.

🏡 🔍 House hunting can be exciting and overwhelming. Remember, it's about finding the right home for you and your family. Our loan officers are here to support you with the financial side, so you can focus on finding your perfect match.

📊 📝 Getting pre-approved for a mortgage is a crucial first step in the home-buying process. It shows sellers you're serious and helps you understand your budget. Contact us today to get started with your pre-approval!

This is not a commitment to lend. Qualifications apply. See representative for details.

🔑 🎉 Closing day is the final step in your home-buying journey! Here are a few tips to ensure a smooth closing:
1️⃣ Review all documents carefully.
2️⃣ Have your ID ready.
3️⃣ Ask any last-minute questions.
We're here to celebrate with you as you get the keys to your new home!

"Valarie was incredible. She communicated with us very well in our preferred method of contact. When we ran into any issue she was quick to offer us her professional advice and help us resolve it. This was especially comforting as first time home buyers. Valarie was very personable and supportive and it feels like we gained a friend. I would highly recommend her to anyone who is looking to buy a home. " says Ethan

Valarie Miller, Mortgage Banker, NMLS #1830716 | Chattanooga, TN ★★★★★ Valarie was incredible. She communicated with us very well in our preferred method of contact. When we ran into any issue she was quick to offer us her professional advice and help us resolve it. This was especially comforting as first time home buyers. Valarie was very personable an...

🤝 We’re Here to Help! 🏠 At Stockton Mortgage, we believe in personalized service. Our experienced loan officers are here to answer all your questions and guide you through the mortgage process. Your dream home is closer than you think!

📈 📝 The mortgage process can seem overwhelming, but it doesn't have to be! We'll break down each step for you, from loan application to approval. With Stockton Mortgage, you'll have all the information you need to make informed decisions.

🔑 🏡 Are you dreaming of owning your own home but not sure where to start? At Stockton Mortgage, we're here to guide you every step of the way! From pre-approval to closing, our team is dedicated to making your home-buying journey smooth and stress-free.

This is not a commitment to lend. Qualifications apply. See representative for details.

Getting ready to apply for a mortgage? Make sure you have these essentials ready:

Proof of Income (pay stubs, tax returns)
Credit History
Employment Verification
Identification (Driver's license, passport)
Bank Statements
Having this information and documentation can speed up the approval process. Need help? Contact Stockton Mortgage today! 🏡📑

This is not a commitment to lend. Qualifications apply. See representative for details.

Why do so many people choose Stockton Mortgage? Because we're committed to providing personalized service, and a smooth lending experience. Your dream home is closer than you think with Stockton Mortgage. Discover the difference today! 🌟🏠

Did you know a higher credit score can get you better mortgage rates? Paying off debt, avoiding new credit applications, and checking your credit report for errors are great ways to boost your score. Need more tips? Contact Stockton Mortgage today! 💳🏡

Stockton Mortgage Corporation is not a credit repair company.

At Stockton Mortgage, we believe the home loan process should be straightforward and stress-free. From application to closing, our team is with you every step of the way. Ready to make your homeownership dreams come true? Let's get started! 🏡✍️

This is not a commitment to lend. Qualifications apply. See representative for details.

Just got the keys to your new home? Congratulations! 🎉 Now it's time to think about maintenance. Regularly checking your HVAC system, cleaning gutters, and inspecting the roof can save you money and hassle in the long run. Keep your home in top shape with these tips! 🏡🛠️

Not all home loans are created equal. From fixed-rate to adjustable-rate mortgages, each has its own benefits. At Stockton Mortgage, our experts help you understand the options and find the best fit for your financial situation. Learn more today! 💼🏠

Did you know the first step in your home-buying journey should be getting pre-approved for a mortgage? It not only gives you a clear picture of what you can afford but also shows sellers you're a serious buyer. Start your journey with Stockton Mortgage today! 🏡🔑

This is not a commitment to lend. Qualifications apply. See representative for details.

🏡 Thinking about buying a home? Don’t let current interest rates hold you back! 🏡

While rates might be higher than in recent years, there are still compelling reasons to consider buying a home now:

1. Building Equity: Owning a home allows you to build equity over time, turning your monthly payments into an investment rather than paying rent.
2. Potential Rate Drops: If interest rates drop in the future, refinancing could be an option, allowing you to secure a lower rate later on.

At Stockton Mortgage, we’re here to help you navigate the home buying process and find the best financing options for your situation. Don’t let fear of interest rates keep you from achieving your homeownership dreams!

Contact us today to learn more and get started on your journey to homeownership. 🏡✨



For refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Refinancing your mortgage can mean a new interest rate, a new monthly payment, or a new repayment period.

Tell us your goals. We can help figure out your next move.



For refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan.

💼 Self-employed or have non-traditional income? A Bank Statement loan from Stockton Mortgage could be your ideal solution! 💼

Bank Statement loans are designed to help those with unique income situations secure a mortgage. Here’s why they might be perfect for you:

1. Income Flexibility: Instead of traditional income verification, Bank Statement loans use your bank statements to determine income, making it easier for self-employed individuals, freelancers, and business owners to qualify.
2. Simplified Documentation: No need to provide extensive tax returns or pay stubs. Your bank statements provide the necessary proof of income, streamlining the application process.
At Stockton Mortgage, our team is dedicated to finding the right mortgage solution for your unique needs. Ready to explore your options? Contact us today to learn more about Bank Statement loans!

A Jumbo loan from Stockton Mortgage might be the perfect fit! 💎

Jumbo loans are designed for higher-priced properties and come with several advantages:

Higher Loan Limits: Finance homes that exceed the conforming loan limits, ideal for purchasing in competitive, high-cost markets.
At Stockton Mortgage, our experts are ready to help you navigate the Jumbo loan process and turn your dream home into a reality. Contact us today to learn more!

🎆 Happy 4th of July from Stockton Mortgage! 🎆

As we gather to celebrate the birth of our great nation, we want to extend our heartfelt gratitude to all our clients, partners, and team members who make our journey possible.

At Stockton Mortgage, we're proud to help you achieve your dreams of homeownership—the cornerstone of American independence. Thank you for trusting us to be part of your journey.

Wishing everyone a safe and spectacular 4th of July!

🏡 Thinking about buying a home? Consider an FHA loan with Stockton Mortgage! 🏡

An FHA loan, insured by the Federal Housing Administration, offers numerous benefits that make it an attractive option for many homebuyers:

1. Lower Down Payments: With an FHA loan, homeownership is more accessible.
2. Support for First-Time Buyers: FHA loans are especially beneficial for first-time homebuyers, providing options to those who might not qualify for conventional loans.
At Stockton Mortgage, our experienced team is here to help you navigate the FHA loan process and find the best financing solution for your needs. Ready to explore your options? Contact us today to learn more!

🔑 Ready to unlock the door to your dream home? Start with a pre-approval from Stockton Mortgage! 🔑

Before you begin house hunting or visiting open houses, getting pre-approved for a mortgage is a game-changer. Here's why:

1. Know Your Budget: A pre-approval gives you a clear picture of how much you can afford, so you can focus on homes within your price range.
2. Stronger Offers: Sellers take your offer more seriously when you’re pre-approved, giving you an edge in competitive markets.
3. Save Time: Streamline your home search by targeting properties that fit your financial profile, avoiding potential disappointments.
4. Faster Closing: With your financial information already reviewed, the mortgage process can move faster once you find your perfect home.

At Stockton Mortgage, our team of experts is here to guide you through the pre-approval process with ease. Take the first step towards homeownership today!

Contact us to get pre-approved and make your home search smoother and more successful. 🏡✨



This is not a commitment to lend. Qualifications apply. See representative for details.

Enter our Home Sweet Home Sweepstakes for a chance to win big! Stockton Mortgage is here to make your home buying dreams come true. 🎉🏠

Visit: https://stockton.com/sweepstakes/ for rules and regulations.