Josh Moody - Loan Originator, NMLS #302473

Josh Moody - Loan Originator, NMLS #302473 Stockton Mortgage NMLS: 8259 | nmlsconsumeraccess.org | Equal Housing Lender

Buying a home comes with enough unknowns.Understanding your closing costs shouldn't be one of them.I believe in walking ...
06/15/2026

Buying a home comes with enough unknowns.
Understanding your closing costs shouldn't be one of them.
I believe in walking clients through the details, answering questions, and making sure there are no surprises when it's time to sign.

Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

No one really talks about how valuable it is to work with a local lender until they experience it for themselves. Having...
06/13/2026

No one really talks about how valuable it is to work with a local lender until they experience it for themselves. Having someone who understands the market, communicates consistently, and genuinely cares about your goals can make the process feel a lot less overwhelming.

Buying a home is a big deal, and having the right people in your corner matters.

Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

Online calculators can give you a starting point.Real life is where the full picture comes together.Income, goals, month...
06/12/2026

Online calculators can give you a starting point.
Real life is where the full picture comes together.

Income, goals, monthly comfort, debts, future plans… there’s a lot more that goes into buying a home than one quick estimate online.
That’s why personalized guidance matters.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

The house hunting experience gets a whole lot more fun when you already know your numbers...Getting pre-approved before ...
06/11/2026

The house hunting experience gets a whole lot more fun when you already know your numbers...

Getting pre-approved before you start searching can help you shop with more confidence, move faster, and avoid falling in love with homes outside your budget.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org This is not a commitment to lend. Qualifications apply. See representative for details.

06/10/2026

Summer Fridays feel a little different when the porch is yours.
Late sunsets, slower evenings, and a space that feels like home.
If buying has been in the back of your mind lately, this might be your sign to start exploring your options.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

One of the fastest ways to make your loan originator nervous?Making a major purchase before closing.New cars.Furniture s...
06/09/2026

One of the fastest ways to make your loan originator nervous?
Making a major purchase before closing.

New cars.
Furniture sprees.
“Just putting it on the card for now.”

Big purchases can impact your credit, debt-to-income ratio, and overall loan approval process more than most buyers realize.
Moral of the story:
Maybe wait until after closing for the celebratory shopping trip


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

PMI is one of the most misunderstood parts of the homebuying process, but it can help make homeownership more accessible...
06/08/2026

PMI is one of the most misunderstood parts of the homebuying process, but it can help make homeownership more accessible for buyers who don’t put 20% down.
The more you understand how PMI works, the more confident you can feel navigating the buying process.

Want to learn more?
Check out our blog post here: https://stockton.com/blog/2018/12/20/getting-rid-of-private-mortgage-insurance-pmi/


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

The little moments today can shape the future someone grows into tomorrow.For a lot of families, homeownership is about ...
06/05/2026

The little moments today can shape the future someone grows into tomorrow.
For a lot of families, homeownership is about more than buying a house. It’s about creating stability, building memories, and having a place future generations can always come back to.

Sometimes the first step starts with simply making a plan.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

06/04/2026

Summer always has a way of making you think differently about home.
Backyards.
Cookouts.
A space that actually feels like yours.

If buying has been in the back of your mind, this might be your sign to start asking questions.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

A lot of buyers assume one number automatically determines whether they can buy a home.In reality, there are several pie...
06/03/2026

A lot of buyers assume one number automatically determines whether they can buy a home.

In reality, there are several pieces that help shape the full picture:
• income
• debt
• savings
• loan type
• goals

That’s why personalized guidance matters so much. A conversation can usually provide way more clarity than a Google search spiral.


Stockton Mortgage NMLS: 8259 | Equal Housing Lender | nmlsconsumeraccess.org

Address

119 2nd Avenue NE
Cullman, AL
35055

Telephone

+12055147245

Website

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