Bronson Stocking - Mortgage Advisor at KCM Home Loans

Bronson Stocking - Mortgage Advisor at KCM Home Loans Welcome, and thank you for visiting! Have questions about mortgages? Message me now!
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I grew up in Vacaville, California, and have nearly a decade of experience in the local real estate market. When it comes to the homebuying process, I know just how important it is for you to surround yourself with the right people and resources. Whether you’re buying your first home, next home, or an investment property, my team and I are the mortgage professionals you can trust to get it done. E

xperience and expertise are the most important assets you can have when buying a home. With several real estate agents in the family, I stay current with local trends in the marketplace and have access to several resources that can help you reach your real estate goals. From the fine details in the mortgage process to the latest products, you’ll receive a thorough explanation of everything you need to know when we first meet – then have every question answered through closing. After graduating from the University of California, Berkeley, I began my career as a real estate agent before settling into the role of a mortgage advisor. Since then, I’ve loved helping people achieve their goals of homeownership and enjoy real estate investing the most about the business. No matter your goal, get in touch with me today and see how I can help you meet and exceed your real estate objectives.

Congratulations to my first-time homebuyer!
05/03/2023

Congratulations to my first-time homebuyer!

Existing-home sales are down compared to May 2021, and prices continue to rise. However, unsold inventory is up slightly...
06/24/2022

Existing-home sales are down compared to May 2021, and prices continue to rise. However, unsold inventory is up slightly, and that’s good news. A strong lending partner with a wide range of loans can help your clients buy and keep your deals moving. Talk to me today!

Are your clients ready to leave crowded apartment buildings behind? A single-family home is the perfect steppingstone. R...
06/22/2022

Are your clients ready to leave crowded apartment buildings behind? A single-family home is the perfect steppingstone. Reach out to us today to determine if a new home is the right choice for their unique needs!

While “Full House” was a hit in the ‘80s, homes only got lived in by real families with the help of newspapers. Today, m...
06/17/2022

While “Full House” was a hit in the ‘80s, homes only got lived in by real families with the help of newspapers. Today, much of the home search, mortgage application and approval process is now done online—and we can help.
Send us a message to meet for virtual coffee and collaborate!

While we wish we could relive the ‘80s, the days of 30-something repeat homebuyers are long gone. Know a client ready fo...
06/15/2022

While we wish we could relive the ‘80s, the days of 30-something repeat homebuyers are long gone. Know a client ready for their second home or a real estate investment? We’re ready to make some new magic happen.
Connect with us and let’s get to it!

09/23/2021

Silverado Resort and Spa

There’s an open house at 136 Bald Eagle Drive in Vacaville today from 1-3 p.m. I’ll be there with Desarae Gilley - Solan...
08/22/2021

There’s an open house at 136 Bald Eagle Drive in Vacaville today from 1-3 p.m. I’ll be there with Desarae Gilley - Solano County Realtor to answer any questions you may have about financing.

UNDERWRITING UPDATE: There will soon be some wiggle room when it comes to the minimum 620 FICO score required by Fannie ...
08/19/2021

UNDERWRITING UPDATE:

There will soon be some wiggle room when it comes to the minimum 620 FICO score required by Fannie Mae's automated underwriting system!

A couple of updates will be implemented next month that are intended to help more borrowers qualify for mortgages. Some of the more noteworthy changes:

1.) Fannie Mae's underwriting software, used by lender's to qualify borrowers, will now consider positive rent payment history in its credit risk assessment. There are rules regarding what rents they will considered, but this gives eligible borrowers credit for making their rent payments on time.

2.) Fannie is also changing the way it determines a borrower's minimum credit score when two or more borrowers are applying for a mortgage loan. Previously, Fannie would look at a borrower's three credit scores (reported by the three credit bureaus) to see if the middle score of the three met the 620 requirement. Starting next month, Fannie will begin to average the middle score of both borrowers to see test the 620 requirement. A great example of how this works is below.

North Hampton condos are very nice, and here’s a rare opportunity to own one.
08/19/2021

North Hampton condos are very nice, and here’s a rare opportunity to own one.

Address

536 Davis Street
Vacaville, CA
95688

Telephone

+17076856017

Website

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