Apply For A Mortgage Online

Apply for a home mortgage loan

Everyone likes options. If you would like to apply for a mortgage, your first option is to simply submit your application online now, and we will connect you with a mortgage loan originator in your area. Your other option is to find a loan originator in your area so you can apply directly through them – either way works!


Get Pre-Approved / Apply Now 

The Application

While not every bit of information is required on our application (though it helps to be as forthcoming as you can), we will ask, among other things, for the following information:

  • What’s your name, address, contact information (and your co-borrower’s info if applicable)?
  • Are you purchasing a property or refinancing?
  • Will you live in the home?
  • What is your income?
  • What are your current bank account balances?
  • Can we get your authorization to pull your credit report?

We know that these are personal questions. We take this business very seriously and guard your private information very closely.

What’s Next?

The application is quite formal, but our loan originators are real, live people who understand what’s at stake if you are considering a refinance or a new home purchase.

After receiving your application, a Waterstone Mortgage loan originator will request additional information to ensure they have a full understanding of your home financing needs and your expectations.

Our loan originators work to determine which loan program is the best fit, what terms are best for each homebuyer, and which additional information is needed to move the process along. Rest assured, you will be in good hands. They will also be happy to refer you to a real estate professional (which are highly recommended for home purchases) if you aren’t already working with one.

Download a Mortgage Application

Prefer paper and pen to a computer screen? Don’t worry, we’ve got you covered. Our mortgage application is also available for you to download and print. The security of your personal financial information is important to us, so we recommend taking extra measures to protect your confidential information when it’s on printed paper documents.

An Efficient Process

You may want to use our Close on Time Calendar to see when you may close on your home loan. While this calendar a great tool to estimate your closing date, you will need to work closely with your mortgage loan originator to make sure we receive the required documentation (such as bank statements or W2s) we need to close your loan. Don’t worry – we will keep in close contact during the process and let you know what is needed.

Our Mortgage 101 blog is also a great resource if you want more information on loan programs, the process, credit tips, and more. If you can’t find what you are looking for, or have recommendations for helpful material we can add to our blog, please drop us a line.


All loan requests are subject to credit approval as well as specific loan program requirements and guidelines. With Adjustable Rate Mortgage loans, the rate is variable and may increase or decrease every year after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment.