Tom Freppon Mortgage Loan Originator NMLS #56454

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

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

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

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

06/09/2026

"Tom is great" says Edward

★★★★★ Tom is great

06/09/2026

Homes were purchased. Goals were reached. Families moved forward.

That's what May looked like across our Northern Kentucky branches. We're grateful for every family we had the opportunity to serve and every team member who helped make it happen. Thank you for being part of another great month!


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

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

06/08/2026

🐾 Lending Paws Spotlight: Coco 🐾

Meet Coco, a six-month-old German Shepherd mix with a bright future ahead. This smart young pup is eager to learn and is looking for a family who can help guide her through puppyhood and into adulthood.

With her intelligence, sweet personality, and endless potential, Coco is ready to find the forever home she deserves. Stockton Mortgage is proud to sponsor Coco as this week's Lending Paws Spotlight.

Ready to meet Coco? Learn more and apply today!
https://www.lifehouse4animals.org/dog/coco-5798-d/

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