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What type of loan are you looking for?

Stockton Mortgage: Not affiliated or endorsed by the Dept. of HUD or any govt. agency. Actual mortgage refinance savings may vary based on your existing loan terms. Finance charges may be greater over the life of the loan. NMLS #8259.

‍PROUD TO HELP VETERANS BUY THEIR DREAM HOME.

VA Home Loan

The U.S. Department of Veterans Affairs (VA) Loan was created to assist servicemembers, veterans, and eligible surviving spouses in becoming homeowners. Just as with other government loans, this funding is not provided by the VA but instead they provide a guarantee which allows lenders to provide more favorable loan terms.

Is it right for me?

This no down payment/ 100% financing loan is only available to servicemembers, veterans, and eligible surviving spouses. The length of service/service commitment, duty status, and character of service determine the individual’s eligibility for specific home loan benefits. In order to qualify with us you will need to provide a Certificate of Eligibility (COE), your mortgage banker can help with this or you can find information here. Additionally, the property owner must occupy the property so this loan wouldn’t work for an investment property like a conventional mortgage might.

Why is it different from other mortgages?

While, this loan program does not require a down payment, similar to the RHS loan, it is unlike the RHS loan in that mortgage insurance is not required. The reason why your lender can offer these favorable loan terms- no down payment, no mortgage insurance, and lower credit score requirements than many conventional products- is because it is backed by the VA. Meaning your mortgage lender takes on less of a risk since the VA will pay a claim if you default on the mortgage. That being said, the VA has it’s own set of appraisal guidelines which the property must meet; dependent on the property this means a water test or a pest inspection may be required.


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Read others' stories about working with us.

Subject to approval. Property insurance is required for all loans secured by property. Rates are subject to change daily. NMLS #8259.  May require you to take out private mortgage insurance, or PMI. Program conditions are subject to change without notice. Rate lock period is 30 days. The details listed are for informational purposes only. It is provided to assist you in determining an estimate of lender fees that may be present and an estimate of your proposed monthly mortgage payment. There are other costs you will incur, not associated with the lender fees. These costs are paid to third parties involved and are standard in all mortgage transactions, such as title/attorney costs, appraisal, taxes and escrows. You will receive an official Loan Estimate after applying, which will provide you with a detailed breakdown of all closing costs.
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