Your next move starts here.
Real tools, real support, and real people who
get it.
Meet... David Stockton
In 2001, David Stockton opened the doors to Stockton Mortgage with deep industry knowledge, a strong work ethic, and a clear vision: to create a company that supports both its customers and its people. What started as a one-man operation quickly grew—by 2009, Stockton had 20 employees, and today, nearly 500 team members across multiple states call Stockton home.
David is known not just for his expertise, but for his integrity and relatability. His leadership has built more than a business—he’s built a team rooted in trust, collaboration, and the shared goal of making home happen.
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 make us nimble
• Affinity, MSA, and TPO opportunities available
• Retained servicing, sharp pricing, and a robust investor portfolio
98% Employee approval rating
Government Loans.
Yes... All of them.
FHA, VA, and USDA loans, No overlays added.
Renovation is our strong suit.
Stockton’s renovation platform isn’t just a product line—it’s a powerhouse.
• A dedicated Renovation Support Team
• Scenario Assistance that makes complicated files feel simple
• Contractor Validation that keeps things moving smoothly
• In-house Draw Capabilities that help you control the process
And if all of that wasn’t enough...
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.
Hobby Farm Loans.
Financing for Barndominiums & Steel Sided Homes.
Jumbo Loans.
With our jumbo program, borrowers go big AND go home. In-house amounts up to $2 million, reduced LTVs, and a max DTI of 43%.
Delegated Mortgage Insurance UW
Renovation Loans.
FHA Limited 203K, FHA Standard 203K, Fannie Mae Homestyle, FreddieMac Choice, VA Renovation, USDA Standard Renovation, USDA Limited Renovation, Buyer/Seller Funded Escrow
Whether borrowers want to make structural changes or make changes as minor as painting – we can make 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.
For planning to build a home, set up a modular/manufactured home, or for recreational use. (Not for subdivision lots.)
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 of the state sponsored programs...
No down payment? No problem, DPAs are our love language. (Essex, Click ‘n Close, CHINOA, City/ County DPAs, to name a few…)
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 experts 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 & 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?
Weekly sales training, product launches, brainstorm sessions, tools and resource demos, and professional development to amplify sales.
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)
We’re more than just your average, run-of-the-mill, award winning, multiple-statelicense-holding lender. We’ve got culture too.
Lending Paws sponsorships.
We believe everyone deserves a place to call home—including our four-legged friends. Through our Lending Paws program, Stockton Mortgage partners with Life House 4 Animals, a nonprofit dedicated to pet adoption. By featuring and sponsoring dogs and cats looking for homes, we help connect pets with families and reduce the burden on local shelters. It’s one more way we put our values into action—building community, supporting compassion, and spreading a little joy, one adoption at a time.
Stockton Cares initiative.
We take care of our people. Whether it’s a get-well package during tough times or a surprise gift to celebrate a personal milestone, Stockton Cares reflects our commitment to employee wellbeing. These small gestures show our big appreciation. When we say we’re a family, we mean it—and we believe in showing up for each other through every season of life.
Student-Athlete affiliations.
Passion. Grit. Determination. Qualities we see in top student-athletes—and in the loan officers who make dreams of homeownership come true. Through Name, Image, and Likeness (NIL) partnerships, we support standout college athletes who share our values of perseverance and excellence. These partnerships deepen our community engagement and help us connect with new audiences, all while celebrating the drive and potential in the next generation of leaders.
Mortgage-Free Year Sweepstakes.
Every year, we offer one lucky customer the chance to win a year of mortgage-free living. Our Mortgage Free Year Sweepstakes is more than just a prize—it’s a celebration of the people and families we serve. By covering up to $2,500 per month in mortgage payments for an entire year, we’re giving our customers the freedom to dream bigger, plan further, and breathe a little easier. This initiative is just one of the ways we show our commitment to supporting homebuyers long after the loan closes.
