Eric Stites - Mortgage Loan Originator, NMLS #2048481

Eric Stites - Mortgage Loan Originator, NMLS #2048481 Stockton Mortgage NMLS 8259 | Equal Housing Lender | nmlsconsumeraccess.org

🏆⚽ DON'T ENTER THE MATCH WITHOUT A GAME PLAN! ⚽🏆Buying a home without getting preapproved is like stepping onto the Worl...
06/17/2026

🏆⚽ DON'T ENTER THE MATCH WITHOUT A GAME PLAN! ⚽🏆

Buying a home without getting preapproved is like stepping onto the World Cup pitch without knowing the score, the strategy, or even who's on your team.

🥅 Get in the Starting XI: A preapproval puts you in the best position before the competition begins.

🟨 Avoid the Yellow Card: Know exactly what you can afford and prevent costly surprises during the home search.

⚽ Score Early: When the right home hits the market, you'll be ready to make a strong move before other buyers.

🏟️ Home Field Advantage: Sellers take preapproved buyers more seriously because they know you've already done the preparation.

🏆 Lift the Trophy: The goal isn't just finding a house—it's winning the home you love.

The World Cup rewards the teams that prepare before kickoff. The housing market is no different.

📣 Ready to put on your jersey and make your homeownership dreams a reality? Let's get you preapproved and move you one step closer to raising the championship trophy... the keys to your new home! 🔑🏠⚽

Summer is for enjoying the moment.Knowing you have a lender you can trust? That's pretty refreshing too.Stockton Mortgag...
06/16/2026

Summer is for enjoying the moment.
Knowing you have a lender you can trust? That's pretty refreshing too.

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

🐾 This week's Lending Paws Spotlight belongs to Tuti! 🐾Meet Tuti, a beautiful 2-year-old Siberian Husky who's ready to l...
06/16/2026

🐾 This week's Lending Paws Spotlight belongs to Tuti! 🐾

Meet Tuti, a beautiful 2-year-old Siberian Husky who's ready to leave shelter life behind and find a family of her own. At just 46 pounds, this smart, energetic girl is always up for an adventure and has never met a toy she didn't love.

Tuti is the kind of dog who will keep you active, make you smile, and quickly become your best friend. We're proud to sponsor Tuti through Lending Paws and help her find the forever home she deserves.

Could Tuti be the missing piece in your family? ❤️
https://www.lifehouse4animals.org/dog/tuti-5796-d/

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

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

A bridge loan can be a powerful tool for homeowners who want to buy a new home before selling their current one. It esse...
06/10/2026

A bridge loan can be a powerful tool for homeowners who want to buy a new home before selling their current one. It essentially "bridges the gap" between the purchase of your next home and the sale of your existing home.

Benefits of a Bridge Loan

1. Buy Before You Sell

One of the biggest advantages is that you don't have to wait for your current home to sell before making an offer on your next home. This can be especially helpful in competitive markets.

2. Stronger Purchase Offers

Without a home sale contingency, your offer is often more attractive to sellers. This can help you compete against other buyers and potentially win bidding wars.

3. Access Your Home Equity

A bridge loan allows you to use the equity you've built in your current home for:

Down payment on the new home

Closing costs

Moving expenses

Other home-related expenses

4. Avoid Temporary Housing

Instead of selling your home and scrambling to find a rental while shopping for a new home, you can move directly into your new property.

5. More Time to Sell

You can list and market your current home after moving out, which often allows for:

Better staging

Easier showings

Less stress during the selling process

6. Potentially Lower Monthly Payment on the New Home

By leveraging equity from your current home for a larger down payment, you may reduce:

Your new mortgage amount

Monthly mortgage payment

Need for mortgage insurance

Who Benefits Most?

Bridge loans are often a great fit for:

Move-up buyers

Homeowners with significant equity

Buyers relocating for work

Families needing a seamless transition between homes

Things to Consider

Bridge loans typically:

Have higher interest rates than traditional mortgages

Are short-term financing (usually 6-12 months)

Require sufficient equity in the current home

May require qualifying with payments on both homes

For mortgage professionals and real estate agents, bridge loans can be a major deal saver when a borrower has substantial equity but doesn't want to miss out on their dream home while waiting for their current property to sell.

A good rule of thumb: if a borrower has strong equity, strong credit, and needs flexibility, a bridge loan can turn a difficult transaction into a smooth one.

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

Address

88 C. Michael Davenport Boulevard Suite 1
Frankfort, KY
40601

Telephone

+18104590316

Website

Alerts

Be the first to know and let us send you an email when Eric Stites - Mortgage Loan Originator, NMLS #2048481 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category