Lending Across California.
Built for Every Story.
From coastal towns to farmland, city skylines to mountain communities,
we help Californians from every background find a path to homeownership.
Lending Across California.
Built for Every Story.
From coastal towns to farmland, city skylines to mountain communities,
we help Californians from every background find a path to homeownership.
Wherever You Are in the Journey
Whether you’re just getting started or expanding your investments, our team will help you guide you through the next step with confidence.
- First-time homebuyers navigating the process for the first time
- Move-up buyers looking for their next home
- Homeowners exploring refinance or equity options
- Real estate investors building or scaling portfolios
Every situation is different. The goal is to help you understand your options and make informed decisions.
Built for California’s Lifestyle
From Silicon Valley to the Central Valley, from the coast to the mountains, our team works with clients across a wide range of industries and lifestyles, including:
- IT professionals and corporate employees
- Self-employed business owners and entrepreneurs
- Truck drivers and skilled trade workers
- Healthcare professionals, including doctors and nurses
- Seasonal and agricultural workers
- Recent college graduates starting their next chapter
No matter how you earn your income, there may be options available to help you move forward.
Meet The Team
Elias Delgado
Producing Branch Manager | NMLS #929189
1833 W. March Ln Ste 4, Office A
Stockton CA 95207
elias.delgado@supremelending.com
Yvonne Delgado
Loan Officer | NMLS #256234
1833 W. March Ln Ste 4, Office A
Stockton CA 95207
yvonne.delgado@supremelending.com
Loan Programs
Explore our program offerings, a variety of financing solutions to fit every situation.
conventional loans
Conventional loans are a cornerstone of home financing. They offer flexibility, competitive interest rates, and options for both first-time and experienced homebuyers.
Key Features
– Down payments as low as 3% for first-time buyers
– Competitive fixed and adjustable rates
– No upfront government insurance fees
– Option to remove PMI once you reach 20% equity
Eligibility & Guidelines
– Credit score typically 620 or higher
– Debt-to-income ratio up to 45%
– Available for primary residences, second homes, or investment properties
Ideal For
– Borrowers with good credit and stable income
– Homebuyers looking for flexibility and low long-term costs
– Homeowners refinancing for better terms
fha loans
FHA loans make it easier for more borrowers to achieve homeownership. Backed by the Federal Housing Administration, these loans feature low down payments and flexible credit requirements.
Key Features
– Down payments as low as 3.5%
– Credit scores as low as 580 may qualify
– Competitive fixed rates
– Assumable loans for easier resale
Eligibility & Guidelines
– Must occupy the home as a primary residence
– FHA-approved appraisal and property standards required
– Upfront and monthly mortgage insurance apply
Ideal For
– First-time homebuyers
– Borrowers with limited credit history or smaller savings
– Families looking for affordable entry into homeownership
USDA LOANS
USDA loans offer zero-down financing for homes in eligible rural and suburban areas, helping families enjoy affordable homeownership outside major city limits.
Key Features
– 100% financing (no down payment)
– Competitive fixed interest rates
– Low mortgage insurance costs
– Flexible credit requirements
Eligibility & Guidelines
– Property must be in a USDA-eligible area
– Income limits apply based on household size
– Primary residence only
Ideal For
– Buyers seeking affordable homeownership in rural or suburban areas
– First-time buyers who meet income and location criteria
JUMBO LOANS
When your dream home requires financing beyond conforming loan limits, Jumbo Loans provide the solution. Ww offer tailored jumbo financing to help you move forward with confidence.
Key Features
– Loan amounts exceeding conforming limits
– Competitive interest rates
– Flexible terms and structures
– Options for primary residences, vacation homes, and investment properties
Eligibility & Guidelines
– Strong credit and income required
– Larger down payment often needed (typically 10–20%)
– Appraisal and reserve requirements apply
Ideal For
– Buyers purchasing high-value homes
– Borrowers with complex financial portfolios
VA LOANS
VA loans are designed for veterans, active-duty service members, and eligible surviving spouses. With zero down payment and no monthly mortgage insurance, they’re one of the best paths to homeownership for those who’ve served our country.
Key Features
– 0% down payment
– No private mortgage insurance (PMI)
– Competitive interest rates
– Flexible credit and debt guidelines
Eligibility & Guidelines
– Must have a valid Certificate of Eligibility (COE)
– Must occupy the home as a primary residence
Ideal For
– Veterans and active-duty service members
– Eligible surviving spouses
– Buyers seeking affordable, no-down-payment options
RENOVATION LOANS
Turn a fixer-upper into your dream home with renovation financing that combines your purchase and improvement costs into one simple loan.
Key Features
– One loan, one closing
– Low down payment options
– Finance cosmetic or structural renovations
– Available for FHA (203k) or Conventional (HomeStyle) borrowers
Eligibility & Guidelines
– Minimum credit score typically 620+
– Licensed contractors required for all work
– Home must be primary residence for FHA; flexible for Conventional
Ideal For
– Buyers purchasing homes needing updates
– Current homeowners refinancing to renovate
Overview of California
California’s Central Valley
In the Central Valley, hard work drives everything, from agriculture to small business to seasonal income.
Whether your income varies throughout the year or comes from non-traditional sources, there may still be a path to homeownership. Out team works with clients who don’t always fit the standard box, and helps them find solutions that do.
Los Angeles
Fast-Paced City. Smart Strategy. Los Angeles moves fast, and so does its housing market.
From entertainment professionals to corporate employees and entrepreneurs, buyers here need clarity, speed, and a strategy that holds up in competitive environments. Let us help you move with confidence, not guesswork.
Stockton
Real Communities. Real Opportunities. Cities like Stockton represent the heart of everyday California: growing communities, working families, and buyers looking for practical paths forward.
From first-time buyers to those relocating for opportunity, out team helps simplify the process and make the next step feel achievable.
Mountain Towns
More Than a Home: A Lifestyle Investment. From mountain cabins to second homes, California offers more ways to live and invest.
Whether it’s a primary residence, a getaway, or part of a long-term plan, we can help you explore financing options that align with your goals.
San Diego Living
Coastal Living, Within Reach. San Diego offers a lifestyle people move across the country for; but buying here requires the right approach.
Whether you’re relocating, upgrading, or investing, Elias helps you understand your options and navigate the numbers in a high-demand market.
Different Backgrounds. One Goal.
From first-time homebuyers to seasoned investors, from W-2 employees to self-employed borrowers, there isn’t one “right” way to get there. There’s just your way and a a plan to make it happen.
Ready to Call
California Home?
Whether you’re a first-time homebuyer, upgrading, or refinancing,
our team is here to guide you every step of the way. Hablamos español.