Harold Cunningham, NMLS 2048775 Loan Originator -Stockton Mortgage Corp

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

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

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

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

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

06/05/2026

"Harold was very timely with everything. His communication was clear, and he was patient with us not understanding the home buying process. I have already forwarded Harold’s information to a friend looking to buy a home." says Niko

★★★★★ Harold was very timely with everything. His communication was clear, and he was patient with us not understanding the home buying process. I have already forwarded Harold’s information to a friend looking to buy a home.