Stockton Mortgage Florence, KY | NMLS# 8259

As first-time home buyers, we truly couldn’t have had a better experience than we did with Seth. From the very beginning, he made everything clear, comfortable, and completely pressure-free. He took the time to walk us through multiple price points, below, at, and above our target, so we understood exactly what each option would look like for our budget. We never felt rushed, pushed, or ignored. Seth explained every step in detail, answered all of our questions with patience, and always made sure we felt confident about the decisions we were making. His kindness, knowledge, and genuine care for families really show. We are extremely grateful for all of Seth’s support and would highly recommend him to anyone, especially first-time buyers who want someone honest, patient, and truly investe

Our experience with this mortgage officer was frustrating and disappointing. From the start, we felt pressured to take on more than we were comfortable with financially, even after clearly explaining that we wanted to stay within a realistic and responsible budget. As first-time buyers, we expected some guidance and respect—but instead, we were never taken seriously, and there was a clear lack of customer service or genuine support. It felt like our concerns didn’t matter unless we were willing to borrow more than we should. I wouldn’t recommend this lender to anyone who values honest, helpful service—especially if you’re a first-time or budget-conscious buyer.

Stockton was a great choice for my Wife and I! Tom Freppon was amazing to work with! I recommend him and Stockton for all you mortgage needs! Tom was great to work with! Very attentive, knowledgeable, and answered any questions at anytime we had them come up! He help pave a smooth road through our process and made everything seamless as possible! 100% recommended Stockton! A+++

I've been working with Tom Freppon at Stockton Mortgage for many years. He is an excellent loan officer. I always feel confident when my clients utilize his services he'll make every effort to address issues that come up. Tom gets the job done! And he'll take the time to keep everyone informed along the way. Great service!

Tom Freppon did a great job explaining the process of buying a house. As a first time home buyer, this was very reassuring for me. I highly recommend Tom for any of your mortgage lender needs