Movers, shakers, and trend-setting originators. Here’s a peek behind the curtain…
David Stockton
In 2001, David Stockton walked into his office for the first time; armed with an insatiable drive and a sweeping knowledge of the mortgage industry. David, while driven and goal oriented, has always leveraged resources wisely. David grew Stockton Mortgage from being a one-man show to having 20 employees in 2009 - to today: he employees almost 500 people across several states. So many of David’s employees revere him. An honest, hardworking and relatable mortgage professional, David has the drive, expertise and skill to lead and grow an incredibly successful team.
We don’t just talk a big game.
We live it.
Stockton stats you’ll want to know:
• Flat management, no debt, and no outside investors
• In-house marketing and localized operations makes us nimble
• Affinity, MSA, and TPO opportunities available
• Retained servicing, sharp pricing, and a robust investor portfolio
• 98% Employee approval rating
• Top 100 Ginnie Mae Issuer and Fannie Mae Servicer
Stockton founded in Frankfort, Ky
No downpayment? No problem.
DPA programs are our love language.
Conventional Loans? Yep!
Our conventional loans can be fixed-rate or adjustable-rate mortgages. With a variety of down payment options, the minimum down payment requirement is 3%. There are also options that avoid mortgage insurance!
Bank Statement Loans.
Self-employed borrowers can relax with Stockton Mortgage’s bank statement program, with alternative documentation options of 12 or 24 months of bank statements.
Doctor’s Loan.
Medical professionals can qualify for a home loan even with student loans and limited savings (100% LTV, no MI, no joke).
Hobby Farm Loans.
Financing for Barndominiums & Steel Sided Homes.
Jumbo Loans.
With our jumbo program, borrowers go big AND go home. Inhouse amounts up to $2 mill, reduced LTVs, and a max DTI of 43%.
Renovation Loans.
USDA and VA Renovation Loans coming soon.
FHA 203k (limited and standard) and the FNMA Homestyle. Whether borrowers want to make structural changes – or make changes as minor as painting – we can it happen.
Construction Loans.
(Site built & system built.)
Sticks or stones, we offer One-Time-Close. Plus Gov’t favs (FHA, VA, and USDA) with program LTV max. Want to be Conventional about it? Up to 95% LTV.
HELOC.
An alternative to cash-out refinance, our HELOC offer is as strong as any bank: 30 year note, 120-month draw feature, and interest-only pay option period (240-month principal and interest repayment period).
Investor Cash Flow Program.
This allows borrowers seeking financing for an investment property to utilize the rental income on subject properties to determine cash flow.
Bridge Loans.
A solution that makes buying while selling a home an easier task.
ITIN Loan Program.
Helping many achieve the American Dream. We make homebuying happen for individuals with an ITIN, using bank statement payroll deposits in lieu of paystubs.
Land Loans.
Note: this product will not work for subdivision lots, just raw land.
Asset Depletion Program.
This allows you to use a borrower’s assets to determine income.
Non-Warrantable Condos.
This program is a match for borrowers interested in newer condo projects, including condotels, that don’t always meet conventional program requirements.
We haven’t even mentioned all state sponsored programs...
even all of the sponsored
DPAs (Essex, Click ‘n Close, CHINOA, City/ County DPAs, to name a few…) are our love language.
What about State Bond?
We’re here for it, participating with multiple state HFA programs.
DSCR
Supporting landlord goals that leverage future rental-property cash flow to make for easy qualifying.
Marketing & Tech Stack
We’ve connected all the dots.
CRM
Ready to roll when you are, designed with customer, lead, and realtor journeys, campaigns, & automations to help keep you front and center.
LOS
Complete with a crack team to smoothly handle integrations, keep loan data clean, and your customers firmly in your corner.
Mobile App
Co-marketable to every Realtor in your Rolodex. You & your realtor send & manage borrower apps, plus generate offer letters from the palm of your hand; borrowers scan & stay on task from theirs.
Buyer Intel
Recapture current clients and leads with credit alerts that have you poised to reach them at the right time.
Open House & Market Intel
Streamlined property reports for Realtor partners feat. personalized branding and comprehensive listing materials.
Market Analysis & Industry Insight
Real-time market analysis and insights for real-time decisions.
Video Marketing
Because nothing engages like a video and we’re here to support it. Create, send, track video messages.
Scenario Tools
Create personalized scenarios and interactive presentations for borrower with a few clicks.
Innovative Marketing Support
Experts to assist with content marketing, from social media, multi-media campaign design, digital-strategies to drive leads – and good, old fashioned fliers.
Events
Event planners elevate your event from promotion to content and maximize turnout.
Honing your Sales
Skills?
For the goal-getter in all of us: weekly sales training, product launches, brainstorm sessions, tools & resource demos, and professional development to amplify sales and strategy.
Benefits
• Competitive health, vision, life dental & 401k (with matching)
• Paid LO Licensing & Continuing Ed
• Corporate-Sponsored Awards & Destination-Training Events
• Annual President’s Circle Trip 2024: St Vincent & Grenadines
And Im not sure if we’ve covered it yet or not but... We’re a top 100 Ginnie Mae Issuer and Fannie Mae Servicer.
