Finding the right mortgage should feel straightforward. Whether you’re buying, refinancing, or investing, we combine competitive rates with clear, expert guidance to help you move forward with confidence. A smooth, simple, and stress-free path to financing starts here.
Licensed in CA.
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
Michael Stoneking, Trusted Loan Partner at Aragon Lending, is committed to making homeownership simple, accessible, and stress-free. With a client-first approach, Michael Stoneking offers tailored mortgage solutions to meet the needs of homebuyers, homeowners, and real estate investors.
Whether you’re purchasing your first home, refinancing, or exploring investment opportunities, you’ll receive personalized guidance, competitive loan options, and streamlined support powered by cutting-edge technology. Known for a reputation built on trust, expertise, and exceptional service, Michael Stoneking is here to help you reach your homeownership goals with confidence.
Ready to take the next step toward homeownership? Whether you’re buying your first home, refinancing, or exploring your mortgage options, Julie Aragon, your Trusted Mortgage Pro at Aragon Lending, is here to help. Julie offers expert guidance and personalized home loan solutions to fit your goals. Contact us today and enjoy a seamless, stress-free mortgage experience. Your journey to the perfect home starts here!
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
