Shane Ray, Sales Manager, NMLS #201416

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

"Matthew went above and beyond to help with this mortgage. We couldn’t have asked for a better person to work with." says Chrissy

★★★★★ Matthew went above and beyond to help with this mortgage. We couldn’t have asked for a better person to work with.

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

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

06/02/2026

A lot of people think talking to a lender is intimidating.

Honestly, most conversations start with:
“Okay… here’s where we’re at.”

No perfect timing.
No perfect finances.
No pressure.

Just figuring out the next best step together and creating a plan that makes sense for you.


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

06/01/2026

New month. Strong offers. Smart planning. 👏

The first of the month is a great reminder that preparation matters in today’s market. A strong offer isn’t always the highest one. Communication, strategy, and being prepared ahead of time can make a big difference when the right home comes along.

If homeownership is on your mind this summer, now’s a great time to start the conversation.


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

05/29/2026

No question is too small during the homebuying process.
If you’re curious about down payments, credit, rates, or where to even begin, I’m happy to help break things down.

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

05/28/2026

Some people spend their weekends relaxing.
Others are walking through open houses saying, “Wait… this one actually feels like home.”
If that’s you lately, it may be time to start the conversation about what comes next.

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

05/27/2026

For a lot of people, homeownership can feel out of reach until someone finally sits down and helps make sense of it all.
I’m here to help guide the conversation, answer the questions, and help you build a plan that feels doable.

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