Jacob Stewart is a loan officer at Coast Home Loans, based in Stockton, California. With a naturally competitive spirit and a lighthearted, slightly playful side, Jacob’s dedication to putting others’ needs before his own sets him apart in the mortgage industry. His journey into this field began in October 2020, inspired by family members who had long careers in mortgage lending and a motivating interview with Blake and the Eagal Team.
Jacob’s career kicked off at a unique time when interest rates were at historic lows, only to rise dramatically shortly after. This firsthand experience navigating a fluctuating mortgage market has given him invaluable insights into the industry’s ever-changing dynamics. He knows how crucial it is to secure a mortgage tailored to each client’s specific financial circumstances and future goals.
At Coast Home Loans, Jacob has found the perfect environment to thrive—working alongside a supportive, driven team while providing clients with competitive interest rates. His approach is client-centered and goal-oriented, always focusing on finding the best mortgage strategy for each individual. And if a client isn’t quite ready, Jacob is there to help craft a game plan for the future.
Family is central to who Jacob is, and his upbringing in a tight-knit family with big gatherings fuels his sense of connection and support. That same dedication to family is what he brings to his clients—no matter how busy life gets, Jacob is always there when it matters most.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
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