Purchase Loans

Gary D. Hanna Stockton, California

Calif. Dept of Real Estate # 00878795

Office: 209.957.7500 Cell: 209.200.2565

Email Gary Hanna: gary@anymtgloan.com

Stockton Mortgage, specializing in refinance, debt consolidation, home loans, FHA refinance and purchase home loans. We are committed to Saving YOU Money! There are many reasons people refinance homes. Usually they want to secure a lower rate, pull cash out of their home equity, or sometimes both. At Stockton Mortgage, we want to ensure you understand all benefits and costs of refinance. We are happy to take time to sit down with you to understand the specifics of your situation and explain how we can get the right solution for you. We can also advise you on the best way to lower your monthly mortgage payment according to your specific financial needs. Call us today to learn about loan refinance options to help you obtain a lower monthly mortgage payment.

Buying A Home

For many of us, buying a home is the biggest financial decision we will make in our lifetime. Whether you are a first home buyer, building a home, purchasing an investment property or a vacation home, we at Stockton Mortgage have the professionals, partners and programs to make your dreams a reality.

$7,500 First Time Home Buyer Tax Credit

Newly enacted legislation will provide a tax credit of as much as $7,500 for first-time home buyers. Check with us to learn more about what is available in your area.

Steps to Purchasing a Home

1) Get pre-approved by Stockton Mortgage and select a licensed realtor.

2) Contingency Period (including)

* Buyers's approval of Seller's Real Estate Transfer Disclosure Statement

* Buyer's approval of Preliminary Title Report

* Physical inspections/pest inspections

* Property appraisal

* Loan placement/approval/underwriting

3) Homeowners Insurance Coverage

* Determine with Insurance Company proper coverage

* Determine if you need flood coverage

* Give insurance agent escrow information. (They will need to order a copy of the policy for the new lender prior to escrow close.)

4) Signing Documents

* Documents will usually be signed at Stockton Mortgage

* We will ensure the Title Company receives loan documents

* You will receive copies of Title documents and Lender documents

* You will need to bring a current photo ID to signing

5) Down Payment and Closing Fund

* Bring a cashier's check to the Title Company a few days prior to closing

* The Escrow Officer will provide a Buyer's Estimated Closing Statement, which will itemize your costs and credits with estimate total monies due.

6) Funding

* The lender will send funds to the Title Company

7) Close of Escrow

* The Deed will be recorded at the County Recorder's office by the Title Company. (You will receive the original back from the County Recorder in approximately six weeks.)

* Your Realtor will coordinate the transfer of the key with you!

Use the Calculators to calculate a monthly housing payment or loan amortization.

Refinance your HOME LOAN and GET CASH!!

If you have equity in your home and need extra cash for home improvements, college tutition, living expesnes, or to pay off some debt, why not put it to good use with a cash-out equity loan from Stockton Mortgage? There are many options to chose from and we can help with the following:

Utilize your Home's Equity to Finance your Needs

* You can use your money for anything that you want.

* Home Improvements

* Pay for college tuition, pay off high-interest credit card debt, or buy a vacation home. You can even use it as an alternate source of income.

Get the Cash You Need from Your Home

If you have equity in your home and need extra cash for home improvements, college tutition, living expesnes, or to pay off some debt, why not put it to good use with a cash-out equity loan from Paramount Equity? There are many options to chose from and we can help with the following:

Utilize your Home's Equity to Finance your Needs

* You can use your money for anything that you want.

* Home Improvements

* Pay for college tuition, pay off high-interest credit card debt, or buy a vacation home. You can even use it as an alternate source of income.

Your Home Equity Line Options

* Take your money in a lump sum or draw from your line of credit

* Home loan interest is usually tax-deductible.

* We close most loans in just 10 days

* We guarantee to beat any written rate or fee structure

* Keep your payments from rising

* Keep your payments low and lock in the rate of a lifetime

Refinance today and lower your Monthly Mortgage Payment

* If your adjustable-rate mortgage (ARM) is rising, now is the time to lock in today's low fixed rates.

* Don't miss an opportunity to lock into a low fixed-rate and payment today.

Refinance into a Home Loan that Works Best for You

* With today's low 15 and 30 year rates, refinancing to a fixed-rate mortgage can secure your financial future.

* We can offer have a wide variety of Adjustable Rate Mortgages for those people who only plan to live in their home for a few more years.

* If you are concerned about high payments, we can help with an interest only home loan.

Consolidate Your Debt

At Stockton Mortgage, we offer a wide variety of debt consolidation loans that can help provide you with a sound financial plan to gain control of your finances and reduce monthly payments. You can refinance your mortgage and get a loan to pay off credit cards or any other high interest rate debts and get the cash that you need.

Take Control of Your Financial Future

* Refinance today and get cash to pay off your high-interest debt.

* Consoldate all of your deby into one low monthly payment .

* In most cases, home loan interest is tax deductable*.

Work towards improving your credit

* Regardless of your credit situation, we can help.

* In most cases, paying off high-interest debt helps improve your credit score.

Lower Mortgage Payments

* Our interest-only loan options,give you the option to pay as much principal as you want.

* Cut your monthly mortgage payment and save hundreds of dollars each month

Keep More of Your Money

* Pay less toward your mortgage every month and keep more money in your pocket.