How It Works

We’re here to make the home loan process as simple, understandable, and quick as possible — whether you want to learn every detail or stick with what you need to know. We’ll be with you each step of the way, from the first hello to the final congratulations.

The Loan Process

Talk to us

Stockton Mortgage offers a wide variety of loans. Some of our most popular loans are detailed below.

Apply

Complete a full application so we can start working on your loan. The more information we have, the easier it will be to move through the process quickly.

Package your loan

With your new home found and the offer accepted, we package your application, financial history and home information. Then, we work to get you approved for your home loan

We process your loan

Our processors go through the loan information to make sure everything is complete, verify your employment, and order any needed reports. They double-check the loan guidelines to confirm this type of loan is the best option for you.

Order An Appraisal

A licensed appraiser visits your new home and creates a report outlining it’s calue. this evaulation is based on your home’s style, size, and number of rooms, as well as similar homes nearby. We add this report to your packaged loan, and keep you informed each step of the way.

Underwrite Your Loan

Our underwriters review your loan package to ensure all requirements are met. They may ask for additional documents - dont worry, this is normal. Once this is complete, a conditional approval is issued.

We finalize the paperwork

Our team collects all necessary paperwork to prepare for closing day. These documents protect your investment and provide clear terms for your loan. During this time, we schedule your closing day and send a closing disclosure for your review.

Close on your home

Meet with a closing attorney to review and sign the paperwork. After this meeting, the home is officially yours — all that is left is to celebrate your accomplishment.

The Loan Process

Apply

Talk to us

Stockton Mortgage offers a wide variety of loans. Some of our most popular loans are detailed below.

Apply

Complete a full application so we can start working on your loan. The more information we have, the easier it will be to move through the process quickly.

Package your loan

With your new home found and the offer accepted, we package your application, financial history and home information. Then, we work to get you approved for your home loan

Approval

We process your loan

Our processors go through the loan information to make sure everything is complete, verify your employment, and order any needed reports. They double-check the loan guidelines to confirm this type of loan is the best option for you.

Order An Appraisal

A licensed appraiser visits your new home and creates a report outlining it’s calue. this evaulation is based on your home’s style, size, and number of rooms, as well as similar homes nearby. We add this report to your packaged loan, and keep you informed each step of the way.

Underwrite Your Loan

Our underwriters review your loan package to ensure all requirements are met. They may ask for additional documents - dont worry, this is normal. Once this is complete, a conditional approval is issued.

Closing

We finalize the paperwork

Our team collects all necessary paperwork to prepare for closing day. These documents protect your investment and provide clear terms for your loan. During this time, we schedule your closing day and send a closing disclosure for your review.

Close on your home

Meet with a closing attorney to review and sign the paperwork. After this meeting, the home is officially yours — all that is left is to celebrate your accomplishment.

The Loan Process

Apply

Talk to us

Stockton Mortgage offers a wide variety of loans. Some of our most popular loans are detailed below.

Apply

Complete a full application so we can start working on your loan. The more information we have, the easier it will be to move through the process quickly.

Package your loan

With your new home found and the offer accepted, we package your application, financial history and home information. Then, we work to get you approved for your home loan

Approval

We process your loan

Our processors go through the loan information to make sure everything is complete, verify your employment, and order any needed reports. They double-check the loan guidelines to confirm this type of loan is the best option for you.

Order An Appraisal

A licensed appraiser visits your new home and creates a report outlining it’s calue. this evaulation is based on your home’s style, size, and number of rooms, as well as similar homes nearby. We add this report to your packaged loan, and keep you informed each step of the way.

Underwrite Your Loan

Our underwriters review your loan package to ensure all requirements are met. They may ask for additional documents - dont worry, this is normal. Once this is complete, a conditional approval is issued.

Closing

We finalize the paperwork

Our team collects all necessary paperwork to prepare for closing day. These documents protect your investment and provide clear terms for your loan. During this time, we schedule your closing day and send a closing disclosure for your review.

Close on your home

Meet with a closing attorney to review and sign the paperwork. After this meeting, the home is officially yours — all that is left is to celebrate your accomplishment.

Tell us your goals so we can get you home

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