Hello, I’m Gary Hanna, and I am your problem solver. I’ve worked in the Real Estate industry for approximately 25 years and have been with Stockton Mortgage for 21 years. Our company is unique in that, We specialize in Privately Financed loans. Institutional loans require high credit scores, provable income, good job history, and have a low interest rate with a long repayment term. Private Finance loans are for borrowers that do not fit the Institutional guidelines
Since many loans don’t fit into the institutional criteria, I work with investors to arrange privately financed loans. Private finance usually requires a higher interest rate and a larger down payment, but has the ability to look outside the box, what we call “non-conforming loans”, and usually a bank won’t lend on them, but we will
My expertise includes purchases or refinancing home loans and construction loans, and I can help even when you have less than perfect credit.