Business Details
43 Years
experience
Your Trusted Private Lending Partner in Stockton, CA
Stockton Mortgage has been a trusted leader in private real estate finance for over four decades. We specialize in connecting borrowers with customized loan solutions and empowering investors to grow wealth through secured real estate lending. Our team of licensed professionals delivers personalized service tailored to individual financial goals. With a focus on speed and flexibility, we provide fast funding options when traditional banks cannot meet client needs. Our expertise spans residential, commercial, and agricultural properties across California's Central Valley and beyond.We maintain strong relationships with investors seeking double-digit returns through diversified note portfolios. Our bilingual services support both English and Spanish-speaking clients throughout the loan process. Backed by tangible assets and first-position liens, our lending model offers predictable cash flow and collateral security. Headquartered in Stockton, we serve clients from Sacramento to the Sierra Nevada and Bay Area regions. Our commitment to excellence has resulted in over $900 million in transactions and 5,000+ closed private loans.
Services
Private Loans
Real Estate Financing
Note Servicing
Portfolio Management
Construction Loans
Commercial Loans
Agricultural Loans
Investor Funding
Hard Money Loans
Trust Deed Investments
Details
- Year established: 1983
Highlights and features
- 40+ years of private real estate finance experience
- Fast approvals within 24-48 hours
- Customized loan solutions for unique situations
- Secured investments backed by real estate assets
- Bilingual English/Spanish lending services
Associations and certifications
- California Department of Real Estate (DRE)
- National Mortgage Licensing System (NMLS)
Services
Private Loans
Our private loan programs provide alternative financing solutions for real estate investors and borrowers. These short-to-mid-term loans offer flexible terms secured by tangible assets. We specialize in customized lending for residential, commercial, and agricultural properties when traditional banks cannot approve funding.
Real Estate Financing
We facilitate real estate financing solutions for various property types including residential homes, commercial buildings, and agricultural land. Our programs support purchase, refinance, and construction projects with tailored loan structures to meet specific investment goals.
Investor Funding
Our investor funding programs enable capital deployment into secured real estate opportunities. Investors gain portfolio control with options for diversified note holdings, single-beneficiary arrangements, and multi-generational wealth planning through trust structures.
Note Servicing
We provide comprehensive note servicing for private lenders, including payment processing, lien administration, and portfolio reporting. Our services support both individual investors and institutional clients managing multiple real estate loan assets.
Construction Loans
Our construction loan programs fund residential and commercial development projects. These short-term loans support ground-up building, property rehabilitation, and land development with flexible draw schedules aligned with project timelines.
People
Lauren Danielle Elias Cardinalli
Account Executive - Spanish
Licensed DRE #01946952 professional providing bilingual loan services. Specializes in connecting Spanish-speaking clients with private financing solutions while maintaining strong customer relationships.
Jose Galvan
Private Loan Specialist - Spanish
Experienced DRE #01265644 specialist offering bilingual loan solutions. Focuses on helping Spanish-speaking borrowers navigate private real estate financing options with personalized guidance.
John Mitchell Rishwain
Private Loan Broker
Licensed DRE #01066560 and NMLS #0255017 broker with extensive private lending experience. Specializes in matching investors with secured real estate opportunities across California's Central Valley.
Jose Manuel Ramirez
Private Loan Specialist - Spanish
DRE #01217307 specialist providing bilingual support for Spanish-speaking clients. Focuses on private mortgage solutions and investor funding programs with personalized service.
Gary Hanna
Account Executive
Licensed DRE #01201377 professional offering private loan solutions. Brings extensive experience in real estate finance and portfolio management for individual and institutional investors.
Questions
What types of loans do you offer?
We provide private loans for residential, commercial, agricultural, and construction properties across California.
How quickly can I get loan approval?
Most applications receive approval decisions within 24-48 hours of submission.
Do you work with investors?
Yes, we help investors build secured real estate portfolios with customizable lending options.
What if I have poor credit?
We specialize in non-traditional lending solutions for borrowers with credit challenges.
Are your loans secured?
All our private loans are secured by real estate assets with first-position liens.
How do I apply for a loan?
Complete our online application form with property details and personal information.
