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 19 years. Our company is unique in that, as brokers, we deal with institutional lenders for those refinance or purchase loans that fit into their programs. Institutional loans require high credit scores, provable income, good job history, and normally have a low interest rate with a long repayment term.
Since many loans don’t fit into the institutional criteria, I also work with investors to arrange privately financed loans. Private finance usually requires a higher interest rate and a larger down payment, but it has the ability to look outside the box. These are normally what we call “non-conforming loans”, and most of the time, a bank won’t lend on them, but we will
My expertise includes purchases or refinancing home loans and construction loans. The “A” paper loans are done painlessly. However, I can help even when you have less than perfect credit.