Randall Murphy, Mortgage Banker, NMLS #1941757

🏡💡 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/🌟🏠

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.

"Randall did an awesome job working through this whole process! I will like to thank the team as well! " says Petrina

Randall Murphy, Mortgage Banker, NMLS #1941757 | Frankfort, KY ★★★★★ Randall did an awesome job working through this whole process! I will like to thank the team as well!

💼 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!

"I can not speak enough kind words for Mr. Randall Murphy. Mr Murphy from day one made me and my husband feel safe and secure. He communicated to us thoroughly and provided updates when it was necessary.He never went over our heads with mortgage verbiage, he kept it in Layman's terms. He made sure that we had a complete understanding of every part of the process. His hospitality met and exceeded our expectations. He was eager to.." says Rhonda

Randall Murphy, Mortgage Banker, NMLS #1941757 | Frankfort, KY ★★★★★ I can not speak enough kind words for Mr. Randall Murphy. Mr Murphy from day one made me and my husband feel safe and secure. He communicated to us thoroughly and provided updates when it was necessary.He never went over our heads with mortgage verbiage, he kept it in Layman's terms....

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.

Your dream home is just a click away! Start your journey with Stockton Mortgage and experience hassle-free home buying. 🏡❤️

Looking to lower your monthly payments or tap into your home’s equity? Refinancing with Stockton Mortgage might be your perfect solution. Learn more 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.

Wondering how much home you can afford? Use our loan calculator to get an estimate and take the first step towards your new home! https://stockton.com/loan-calculator/🧮🏡

Ready to move up from your starter home? Upgrade your space with Stockton Mortgage’s expert guidance. Your dream home is within reach! 🏠✨

Navigating the current market can be tricky, but with Stockton Mortgage by your side, you’re in good hands. Let’s make your dream home a reality! 🌟

Taking the leap into homeownership? 🏡 Let Stockton Mortgage guide you every step of the way. From pre-approval to closing, we've got you covered!

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

Refinancing can be a smart financial move. By refinancing your mortgage with Stockton Mortgage, you could lower your monthly payments, or even shorten your loan term. Contact us today to see how much you could save! 🏦



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

🛠️ Tuesday Tip: Getting pre-approved is a crucial step in the home-buying process. It shows sellers you're serious and gives you a clear picture of your budget. At Stockton Mortgage, we offer quick and easy pre-approvals to get you one step closer to your dream home. 🏡



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

🏆 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.

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.