The Blueprint for market Leaders - September 2023

Table of Contents

We’re big enough to compete with the big guys but have the personal touch of a small team.

Top 100 nationwide Mortgage Loan Servicer

Providing exceptional support and peace of mind throughout the homeownership journey.

Competitive low rates

As a Fannie Mae & Freddie Mac seller/servicer and having access to private investors, we have flexibility to compete on interest rates.

Faster closing times

With a dedicated in-house underwriting team by the time other companies get past the red tape, we’re already at the closing table.

Wide range of mortgage products

Stockton Mortgage’s loan programs are anything but conventional… Although we do those too… with so many loan products available, we offer the best chance to qualify for home financing.

Co-branding opportunities

Custom marketing served up so fast, you’ll swear it’s automation.

Down payment assistance (DPA) programs

Opening the door to homeownership and empowering individuals and families to achieve their dreams with ease and affordability.

Manual underwritten loans to 580 credit score on (FHA and VA) no overlays and 620 for USDA

Flexibility for borrowers with unique financial circumstances.

Sales friendly operations team

Dedicated to driving success in every transaction.

Company appraisal panel (HVCC compliant)

Accurate and reliable property valuations that meet the highest industry standards.

Lunch and learn support

Providing invaluable support for realtors to stay ahead in the industry.

Real estate agent continuing education provider

Stay in the forefront of the industry and thrive in a rapidly evolving market.

Renovation and Construction loan programs

Turn your client’s home into a reality with flexible financing options.

Financing programs for modular, double wide and single wide homes

Discover financing solutions to that make homeownership accessible and hassle-free.

Land only financing options

Tailored for purchasing land, providing a solid foundation for dreams to take root.

ITIN, DSCR and Non-QM programs

With Stockton it’s never been easier to break into real estate investing.

Why Stockton Mortgage

At Stockton Mortgage, our commitment is simple: to guide our customers seamlessly to the closing table with utmost care and consideration. We’re big enough to compete with the big guys, but small enough to work one-on-one with prospective homeowners to help them reach their goals. Founded in 2001 by David Stockton, our team has grown from a small group to a robust workforce of over 300 mortgage sales, compliance, operations, and marketing professionals.

Throughout our journey, our core focus at Stockton Mortgage has remained unchanged: To us you’re not a loan number, you’re our neighbor, a community member, and an investor in our hometown. At Stockton, we’re all working toward a better future – one that starts at home.

What truly sets us apart is our unwavering dedication to providing personalized service, comprehensive support, and innovative solutions tailored to the unique needs of each client. With Stockton Mortgage, you can expect mortgage professionals who will listen attentively, guide you through the process with expertise, and ensure that your journey towards homeownership is smooth and rewarding.

Moreover, we understand the significance of community. That’s why we actively contribute to the betterment of our neighborhoods, forging strong relationships, and making a positive impact beyond the realm of mortgages. When you choose Stockton Mortgage, you’re not just selecting a lender; you’re becoming part of a community-driven movement towards a brighter future for all.

clients’ specific needs. Additionally, we provide access to down payment assistance programs, further empowering prospective homeowners to achieve their dreams.

Our commitment to excellence and dedication to serving our clients has led to remarkable achievements. It’s no coincidence that we have been the #1 USDA Lender for the past five years and are a Top 100 nationwide Mortgage Loan Servicer. These accolades are a testament to our skill, unwavering support, and the trust our clients place in us.

At Stockton, we understand the significance of finding the right loan for each individual or family. We strive to make the mortgage process as seamless and efficient as possible, guiding our clients every step of the way. With our comprehensive knowledge, personalized service, and exceptional track record, you can be confident that you are in capable hands when you choose Stockton Mortgage.

As advocates of affordable and sustainable housing, we believe in the life-changing potential of homeownership, and that’s why we offer an extensive selection of mortgage loan products and down payment assistance programs. Our commitment to excellence has solidified our position as industry leaders, and we are fully committed to delivering exceptional service to our valued clients. When you choose Stockton Mortgage, you are selecting a trusted professional who genuinely cares about your future and is prepared to guide you towards a successful homeownership journey.

Unleashing the Power:

Essential Tools and Technology for Modern Real Estate Agents

Real estate agents are superheroes of the property world, helping individuals and families find their dream homes or investment properties. In today’s fast-paced digital era, it’s crucial for agents to embrace technology and leverage innovative tools to stay ahead of the competition. In this article, we offer a comprehensive guide to essential tools and technology that have the potential to propel the business of real estate agents to new heights.

Customer Relationship Management (CRM)

Software: Just like every superhero needs a sidekick, real estate agents need CRM software to efficiently manage their clients and leads. A good CRM system allows agents to track interactions, schedule appointments, and stay organized with ease. With features like automated follow-up reminders and client segmentation, agents can provide personalized service and nurture relationships, leading to better client satisfaction and increased referrals.

Virtual Tours and 3D Imaging: Gone are the days of relying solely on static property images. Enter the world of virtual tours and 3D imaging! These technologies give real estate agents the power to offer immersive and interactive experiences to potential buyers. By utilizing virtual reality (VR) or augmented realty (AR) tools, agents can showcase properties remotely, saving time and money for both buyers and sellers. Agents can effortlessly transport clients from one property to another with just a few clicks, providing a seamless and immersive experience.

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Social Media and Online Marketing: In the digital age, social media has become an essential tool for real estate agents. Platforms like Facebook, Instagram, and LinkedIn provide an interactive way to showcase properties, share market insights, and connect with potential clients. Agents can utilize targeted advertising campaigns, visually captivating content, and persuasive captions to build a strong online presence and reach a wider audience.

Mobile Apps and Productivity Tools: Real estate agents are always on the go, making mobile apps a must-have in their toolkit. From productivity apps like Evernote and Trello for seamless organization to property search apps that provide real-time listings and neighborhood information, there are countless options available. These tools empower agents to stay connected, access vital information, and respond promptly to client needs, even when they’re out saving the world one property at a time.

Data Analytics and Market Research:

Behind every successful real estate agent is a wealth of market knowledge. Technology has made it easier than ever to access comprehensive data and conduct in-depth market research. Tools like MLS (Multiple Listing Service) platforms, real estate market analysis software, and data visualization tools enable agents to gain valuable insights into market trends, pricing strategies, and neighborhood dynamics. Armed with this knowledge, agents can make informed decisions and provide expert guidance to their clients.

The real estate profession presents challenges but is equally rewarding. With the right tools and technology, agents can elevate their businesses to new levels of success. By incorporating CRM software, virtual tours, social media marketing, mobile apps and data analytics to their strategies, agents can work more efficiently. So, fellow real estate superheroes, it’s time to embrace these essential tools, combine them with your expertise, and transform your client service. You’ll be unstoppable in the ever-evolving world of real estate.

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Get ready to elevate your real estate business to extraordinary heights! Discover a collection of informative business tips that will empower you to transform your real estate endeavors. By incorporating these strategies, you’ll be well-prepared to rise above the competition and supercharge your real estate business.

One key tip for taking your business to the next level is to prioritize continuous learning. In an ever-evolving industry, staying updated with the latest market trends, industry regulations, and emerging technologies is crucial. Be sure to invest in professional development, attend workshops, and engage in industry conferences to enhance your expertise. By continuously expanding your knowledge, you’ll position yourself as a trusted advisor, instilling confidence in your clients and colleagues.

Enhancing your online presence is another vital aspect of taking your real estate business to new heights. In today’s digital age, having a strong online presence is essential for success. Create a captivating website that showcases your expertise, listings, and client testimonials. Leverage social media platforms like Facebook, Instagram, and LinkedIn to increase your reach and engage with potential clients. Share informative and engaging content, captivating visuals, and respond promptly and respectfully to inquiries and comments.

Networking plays a pivotal role in expanding your reach and building valuable connections. Attend industry events, join real estate associations, and actively participate in online communities to connect with fellow professionals. By fostering genuine relationships, seeking collaborations, and exchanging valuable insights, you’ll tap into a vast resource pool while gaining referrals and opening doors to new opportunities.

Embracing technology is another essential component of taking your real estate business to the next level. Leverage customer relationship management (CRM) software to manage leads, nurture relationships, and streamline your workflow. Explore virtual tour technologies and 3D imaging to offer immersive property experiences to potential clients. Adopt mobile apps that enhance productivity and responsiveness while on the go. By integrating technology into your business, you’ll enhance efficiency, provide exceptional client experience, and stay ahead of the competition.

Finally, don’t forget the importance of providing outstanding customer service. Aim to exceed your clients’ expectations every step of their real estate journey. Actively listen to their needs and aspirations, provide transparent and honest advice, and maintain regular communication. Follow up promptly and demonstrate genuine care for their satisfaction. By prioritizing exceptional customer service, you’ll build long-lasting relationships, gain loyal clients, and generate positive referrals.

Real estate agents can take their business to new heights by implementing these business tips. By continuously learning, enhancing your online presence, networking, embracing technology, and providing exceptional customer service, you’ll stand out from the competition and achieve remarkable success. So, embrace these strategies, unlock the power within you, and embark on an exciting journey towards elevating y our real estate business. Here’s to reaching new horizons and enjoying the fruits of your hard work and dedication!

Essential Safety Tips for Real Estate Agents

Welcome, real estate agents, to an article dedicated to your safety and well-being! In the dynamic world of real estate, it’s essential to prioritize safety in every aspect of your business. We’ll explore crucial safety tips that every real estate agent should know. By incorporating these measures into your routine, you can navigate your profession with confidence and peace of mind.

Trust your Instincts: As a real estate agent, your intuition is a powerful ally. Trust your gut feelings and listen to your instincts when dealing with new clients or visiting unfamiliar properties. If something feels off or raises concerns, don’t ignore it. Take necessary precautions, such as bringing a colleague along, informing someone about your whereabouts, or rescheduling the appointment if necessary.

Prioritize Open Communication: Establishing clear lines of communication is vital for your safety. Share your itinerary and showing schedules with trusted colleagues or family members. Utilize technology to your advantage by setting up regular check-ins during property visits or using safety apps that allow you to notify contacts in case of an emergency. Open communication ensures that others are aware of your location and well-being.

Meet Clients in a Public Place: When meeting new clients for the first time, it’s wise to choose a public location for the initial introduction. Consider meeting at your office, a coffee shop, or a neutral venue where there are other people around. This provides an added layer of safety and minimizes potential risks associated with meeting unfamiliar individuals in private settings.

Plan Property Showing oughtfully: When conducting property showings, take precautions to protect yourself. Arrive early to assess the property’s surroundings and ensure it is safe for your clients and yourself. Maintain a position that allows for quick exits and easy access to the exit points. Whenever possible, tour the property first to familiarize yourself with the layout.

Be Mindful of Personal Information: In the age of technology, safeguarding personal information is crucial. Be cautious about sharing excessive personal details with clients or on public platforms. Ensure your social media profiles have appropriate privacy settings to protect your personal life. By being mindful of what information you share, you can maintain a sense of security and protect yourself from potential threats.

Trustworthy Transportation: When traveling to property showings or meetings, choose reliable transportation options. Use your own vehicle or a trusted ride-sharing service. Avoid getting into clients’ vehicles or accepting rides from strangers. Familiarize yourself with local public transportation options and keep emergency contact numbers readily available.

Self-Defense and Safety Training: Consider enrolling in self-defense and safety training courses to equip yourself with practical skills. These classes can teach you valuable techniques to protect yourself in challenging situations. Stay updated on the latest safety practices and attend workshops specifically tailored for real estate agents.

Real estate agents, your safety should always be a top priority. By incorporating these essential safety tips into your routine, you can navigate your profession confidently and securely. Trust your instincts, maintain open communication, and meet clients in public places. Plan property showing thoughtfully, safeguard personal information, and prioritize reliable transportation. Additionally, consider self-defense and safety training. Remember, you can take charge of your safety and flourish in the real estate industry.

Realtor Safety

Open House Tips for Realtors

Open houses are an exciting opportunity to showcase properties and connect with potential buyers. However, it’s important to prioritize safety to ensure a smooth and secure experience. We’ll explore essential tips to help you maintain a safe environment while showcasing properties. By incorporating these measures into your open house routine, you can confidently navigate this aspect of your profession and protect yourself and others.

First and foremost, it’s crucial to arrive early and assess the property’s surroundings before welcoming visitors. Familiarize yourself with the neighborhood and take note of any potential safety concerns. By doing so, you can address any issues and ensure a safe environment for both you and the attendees.

During an open house, be mindful of personal belongings. Keep your valuables, such as wallets, purses, and electronic devices, secure and out of sight. This precaution helps minimize the risk of theft and keeps your attention focused on providing a positive experience for potential buyers.

Consider working with a colleague or having a team member present during open houses. Not only does this provide an extra set of eyes and ears, but it also adds an additional layer of security. Having a partner allows you to divide responsibilities and ensure attendees are properly attended to while maintaining a safe environment.

When hosting an open house, it’s important to greet visitors professionally and respectfully. Obtain their contact information and request identification if necessary. This practice not only helps maintain a record of attendees but also ensures that you have important details for follow-up communication. Striking a balance between being friendly and professional can contribute to a positive atmosphere while also setting boundaries.

Lastly, trust your instincts. If something feels off or raises concerns during an open house, take necessary precautions. Trusting your gut and erring on the side of caution is crucial for personal safety and creating an enjoyable experience for all. By arriving early, securing personal belongings, working with colleagues

create a safe environment for potential buyers.

brought to you by Lighten your client’s financial load with a chance to make their dreams a reality!

We have launched our 2023 Mortgage Free Year Sweepstakes. If your client closes their loan (purchase or refinance) with Stockton Mortgage on or after February 1st, they’ll automatically be entered into a sweepstakes for the chance to have Stockton Mortgage cover their mortgage payment up to $2,500 per month in 2024!

See official sweepstakes rules for more detail.

e 4 P’s of Marketing Marketing

1. Product: Your Unique Offering

In the real estate world, your product is more than just a property – it’s the experience you provide to potential buyers and sellers. Understand the unique value you bring to the table. Highlight the features, benefits, and qualities that set your services apart from the competition. Emphasize your expertise, local market knowledge, and personalized approach to win the hearts of your clients.

Let’s dive into the 4 P’s of marketing – Product, Price, Promotion, and Place – and explore how you can leverage these principles to elevate your real estate business.

2. Price: Strategic and Competitive Pricing

Pricing plays a crucial role in real estate marketing. Determine the optimal pricing strategy for each property, considering factors like market conditions, location, and property specifics. Conduct thorough research and analysis to ensure your pricing aligns with market trends and customer expectations. Striking a balance between competitiveness and profitability may attract potential buyers while maximizing returns for your clients.

4. Place: Strategic Targeting and Distribution

Promotion is all about creating awareness and building a strong brand presence. Develop a comprehensive marketing plan that incorporates both traditional and digital channels. Leverage online platforms, social media, and email marketing to reach a wider audience. Captivating visuals, engaging content, and compelling storytelling will convey your brand message. Be sure to engage in community events, and sponsorships to further enhance your visibility and credibility.

Effective marketing requires strategic targeting and distribution of your message. Identify your target audience – the individuals or groups most likely to be interested in your services – and tailor your marketing efforts accordingly. Consider their demographics, preferences, and behaviors to craft targeted campaigns. Strategically distribute your marketing materials through various channels, such as online listings, print media, and direct mail, to reach your desired audience effectively.

Mastering the 4 P’s of marketing is essential for real estate agents seeking to differentiate themselves and succeed in the competitive market. By understanding and implementing these

3. Promotion: Building Your Brand

Super September Pop-By Ideas

September brings ample opportunities to connect with your clients and prospects through delightful pop-bys. These small gestures can make a big impact, fostering meaningful relationships and keeping you top of mind. Unleash your creativity with these fun and thoughtful ideas!

Back-to-School Essentials: Help families get ready for the new school year by delivering a fun package with school supplies, colorful notebooks, and motivational stickers for the kids. It’s a great way to show you care about their children’s education.

Home Maintenance Checklist: Provide a printed home maintenance checklist to help your clients stay on top of seasonal chores and keep their homes in top condition. Include tips on preparing for winter and checking HVAC systems.

Fall Festival Tickets: Check for local fall festivals, pumpkin patches, or hayrides happening in your area. Gift your clients with tickets to these events for a fun-filled family outing.

Movie Night Delights: Create a cozy movie night experience for your clients with a movie-themed pop-by. Package a selection of microwave popcorn, gourmet snacks, and their favorite movie candy. Include a note that says, “Lights, camera, action! Enjoy a fun-filled movie night on us.”

Fall Treats Basket: Prepare a delightful basket filled with seasonal goodies like pumpkin spice cookies, apple cider mix, and caramel popcorn. Drop by your clients’ homes and share the warmth of the season with a thoughtful treat.

September is the perfect month to put thought into your client interactions. These pop-by ideas are designed to create joy, foster connections, and leave a lasting impression. From Back-to-School Essentials to movie night delights, each idea adds a playful touch to your client relationships. So, get creative, personalize your pop-bys, and enjoy building meaningful connections.

Surfing the Mortgage Market:

Stay Afloat with the Latest Update

Welcome to our latest mortgage market update, where we’ll ride the waves of information and keep you in sync with the ever-changing currents. Grab your board and let’s dive in together!

As you navigate the market, you may encounter the challenge of limited housing inventory but don’t let it wipe you out! Just like waiting for the perfect sunset, buyers are facing increased competition. It’s crucial to educate your clients about the current inventory challenges and the importance of staying agile. Encourage them to work closely with you to refine their preferences, be prepared with strong offers, and explore alternative neighborhoods or off-market opportunities that may align with their needs and likings.

When it comes to loan programs and options, our diverse lineup is like a vibrant reef with something for everyone. From conventional loans to government-backed programs such as FHA and VA, Stockton offers a variety of solutions to suit your clients’ unique needs. As seasoned Mortgage Loan Officers, we’ll help guide you through the range of possibilities, ensuring your clients catch the wave that aligns perfectly with their financial goals.

As we ride these waves, it’s important to stay alert to any changes in lending guidelines that may come rolling in. Our team is here to keep you updated and help you stay ahead of any shifts. Just like seasoned surfers, we’ll provide the knowledge and expertise to navigate these changes seamlessly, ensuring your clients can confidently ride the mortgage market with ease.

So, let’s paddle out together and conquer the mortgage market. Together, we’ll ride the waves of success and guide our clients towards their homeownership dreams.

Helping Your Clients Achieve Homeownership

As dedicated real estate agents, your goal is to help your clients find their dream homes. However, the hurdle of saving for a substantial down payment can often hinder their progress. As an experienced lender, we’re here to share valuable insights into low-to-no down payment mortgage loan programs that can make homeownership more accessible for your clients.

The Federal Housing Administration (FHA) loan program is a game changer for first-time homebuyers. With as little as 3.5% down payment requirement, FHA loans provide an excellent opportunity for clients with limited savings. These loans come with flexible qualification criteria and competitive interest rates, making them an attractive option for those eager to take the first step towards homeownership.

For your clients who are current or former members of the military, the Department of Veteran Affairs (VA) loan program is a true blessing. VA loans offer the incredible benefit of zero down payment, eliminating the financial burden of upfront cash. These loans also provide additional advantages, such as no mortgage insurance requirements and flexible credit guidelines, making homeownership more achievable for our veterans.

FHA Loans

VA Loans

designated rural areas. These loans also come with attractive interest rates and low mortgage insurance premiums, making them an appealing option for clients seeking affordability and flexibility.

Mac’s Home Possible loans provide opportunities for qualified homebuyers to secure financing with down payments as low as 3%. These programs often offer flexible qualification criteria and can be a great alternative to FHA loans for clients with strong credit profiles.

With low-to-no down payment mortgage loan programs, your clients can overcome the hurdle of saving for a substantial down payment and make their homeownership dreams a reality. Collaborating with an experienced Mortgage Loan Officer can ensure your clients receive personalized guidance, allowing them to navigate the options available and find the best fit for their homeownership goals. So, let’s work together to empower your clients with the knowledge of low-to-no down payment mortgage loan programs.