Denise Coles, Mortgage Loan Originator, NMLS #101618

🏆 We are thrilled to announce that Stockton Mortgage has been honored with the RHS 2024 Award! 🏆

This prestigious recognition by USDA Rural Development highlights our exceptional single close construction volume on a national level. Our dedication to providing top-notch service and making homeownership dreams a reality continues to drive us forward. Thank you to our incredible team and loyal clients for making this achievement possible!

🌟 Happy Father's Day from Stockton Mortgage! 🌟

Today, we celebrate the incredible dads who inspire us every day. Your dedication, hard work, and unwavering support create the foundation for strong families and brighter futures.

📊 Consolidate Your Debt with Refinancing! 📊

Refinancing your mortgage with Stockton Mortgage could help you consolidate those debts into one manageable monthly payment. Let’s talk about how refinancing can help you achieve financial freedom!



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

Mortgage rates can be confusing, but they're a critical factor in your home-buying journey. Stockton Mortgage is here to help you to find the best option for your needs.

🏡💡 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 Home Buyers: Get Pre-Approved Today! 🎉

Are you a first-time home buyer? Getting pre-approved with Stockton Mortgage is your first step to success. It not only speeds up the buying process but also gives you a competitive edge in the market. Let's get you started on your home-buying journey!



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

Looking to buy your dream home or refinance your current one? At Stockton Mortgage, we're dedicated to helping you achieve your homeownership goals with ease and confidence. 🏡✨

✅ Personalized Service ✅ Fast and Easy Process

Whether you're a first-time homebuyer or a seasoned homeowner, our expert team is here to guide you every step of the way. Let's make your home dreams a reality!

📞 Contact us today to get started!
For refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan.

What is a down payment?

A down payment is a sum of money you pay at the time of purchase. It is also a percentage of the total cost of buying a home, which means that if you pay 20% as your down payment, 20% goes towards your mortgage loan.

The amount needed for a down payment varies from lender to lender and depends on several factors such as credit score, income level, debt-to-income ratio or DTI (debt to income ratio), and other financial obligations like student loans and car payments. If you don’t have much money saved up for your first home purchase yet but want to avoid paying high monthly payments later on when interest rates rise (which they inevitably will), consider saving more before making an offer on a new house.

As a home buyer, you’ve probably heard the words “home loan” mentioned many times. But what exactly is a home loan? And how do you apply for one?

Read our blog to get answers these questions and more! https://stockton.com/blog/2022/09/01/how-to-apply-for-a-home-loan-step-by-step-guide/

A HELOC allows homeowners to tap into the equity they have built up in their property and provides a flexible and convenient way to fund home upgrades and renovations.

“At Stockton... everything was smooth fast and clear, every question was answered on time, I’m so happy today my family have a place now [sic], thank you so much for your hard work and helping us to have our first home.” - Grace. B

🛠️ Tuesday Tip: Before applying for a mortgage, take a close look at your finances. Make sure you have a clear understanding of your income, expenses, and how much you can comfortably afford to spend on a home each month. This will help you avoid overextending yourself financially.

🏠 Ready to turn your homeownership dreams into reality? At Stockton Mortgage, we guide you every step of the way—from application to closing. Don’t wait; start your journey today! 🌟

📝 Get a step ahead in the home buying process! A mortgage pre-approval not only clarifies your budget but also strengthens your offer on a home. Let's get you pre-approved! 🏡 This is not a commitment to lend. Qualifications apply. See representative for details.

💼 Is refinancing right for you? Lower interest rates, reduced monthly payments, or tapping into home equity—there are many reasons to consider. Discuss your options with us today! 🔍 For refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan.

🌈 Every home buyer's journey is unique, and so should be their loan. From fixed-rate to adjustable, FHA to conventional, we offer a variety of loan programs to fit your individual needs. Find your perfect match with us! 🏡

👍 At Stockton Mortgage, we believe in making your mortgage process as simple and straightforward as possible. Contact us today to learn how we can help you! 🚀

🛠️ Tuesday Tip: Save for a larger down payment to reduce your monthly mortgage payments and possibly eliminate the need for PMI. 💰

This Memorial Day, we honor the brave men and women who gave everything for our freedom. Stockton Mortgage salutes our heroes. 🌟

🔄 Considering refinancing? We can help analyze your situation to see if it's the right time to refinance and how it could benefit your financial future. 📊 For refinance transactions, be aware that by refinancing your existing loan, your total finance charges may be higher over the life of the loan.

💡 Wondering about jumbo loans? If you're looking into a high-priced or luxury property, we can help you understand if a jumbo loan is right for you. 🏰

🏡 At Stockton Mortgage, we’re more than just loans. We’re your partners in making the right moves towards your future home. Let’s connect! 🤝

🔍 Pre-approval vs. Pre-qualification: Know the difference! Pre-approval can give you a competitive edge in the home buying process. Ask us how! 📝 This is not a commitment to lend. Qualifications apply. See representative for details.

🛠️ Tuesday Tip: Maximize your home loan approval chances by maintaining stable employment. Lenders love consistency! 💼

🏠 Our expert team is here to guide you through different loan programs tailored to meet your specific needs. From VA loans to FHA loans, we've got you covered! 🇺🇸

📈 Thinking about an Adjustable Rate Mortgage (ARM)? Let's discuss how ARMs can offer lower initial rates and what it means for your financial planning. 🔄

🌟 Exploring home equity lines of credit (HELOC)? Unlock the potential of your home's equity for renovations, education, or debt consolidation. Let's chat! 🔑

💬 Have questions about getting a mortgage? We have answers! Drop us a message or give us a call. Let’s make your home ownership dreams come true! 📞

🏠 First-time homebuyer? Our team specializes in helping new buyers navigate the market and find the perfect loan program. Reach out today! 🌟

🛠️ Tuesday Tip: Thinking of buying your first home? Start by checking your credit score—it's key to determining your loan options and interest rates! 💳