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January 20, 2021
A primary component of becoming eligible to buy a home is having a down payment, which often takes time and saving to create.
February 13, 2024
Aside from the down payment, other fees may be due at the closing of your new home.
October 14, 2021
Homeowners insurance protects your home, while private mortgage insurance (PMI) protects your mortgage lender from the effects of loan default.
August 10, 2020
Preparing your home can have a serious impact on buyers – and we have the top staging tips.
what is a conventional loan?
Conventional loans are often referred to as “conforming loans” because they meet the guidelines set by Freddie Mac and Fannie Mae. The most notable guideline is that the maximum loan amount for a single-unit p
what is an FHA loan?
FHA loans are insured by the Federal Housing Administration, which allows lenders to offer mortgage financing to more homebuyers — ones who may not meet the qualifications of conventional loan programs. Because the governme
what is a USDA loan?
A USDA Guaranteed Rural Housing Loan is a fixed-rate mortgage backed by the U.S. Department of Agriculture. These loans were long thought of as just for farmers, but the program has been expanded in recent years to help families
mortgage loans for veterans and active-duty military
At Waterstone Mortgage, we proudly support those who serve our nation. That’s why we offer Veterans Affairs (VA) loans — a special mortgage program designed exclusively for U.S. militar
jumbo loans at Waterstone Mortgage
At Waterstone Mortgage, our jumbo home loans make it easier than ever for homebuyers to purchase homes above the conventional conforming loan limit.
With flexible options, program expertise, and superior service, we
what is down payment assistance?
Down payment assistance programs are put in place to help eligible homebuyers provide funds for their down payment on a new home or closing costs. These are often state-specific.
June 17, 2026
A temporary buydown allows homebuyers to lower their interest rate for the first several years of their mortgage loan, helping them ease into homeownership.
Many down payment assistance (DPA) programs are offered on a state-by-state basis. However, the National Homebuyers Fund and Chenoa Fund DPA programs can be used with FHA loans nearly nationwide.
These programs offers up to 5% in assistance. FHA only
September 17, 2024
Here are the types of funds you can (and can’t) use for an initial deposit for your home purchase.
As a medical professional, you work hard to keep our community healthy and safe — and that deserves a big “thank you.”
Our doctor loans make it easier for medical professionals to achieve their homeownership dreams by offering no-do
January 23, 2025
If you’re planning to buy a home soon, decreasing your DTI ratio could open up a wider range of mortgage opportunities for you.
August 10, 2026
Learn how student loans affect mortgage approval, what lenders look for, and practical steps you can take to improve your chances of buying a home.
February 02, 2024
Waterstone Mortgage offers a variety of loan options for those with no credit history.
November 20, 2023
Adjustable-rate mortgages, or ARMs, have an interest rate that changes over time. These loans offer a variety of benefits for many homeowners.
what is an FHA 203(k) loan?
What happens when you find the home of your dreams — or, at least, it has the potential to be the home of your dreams — but it needs some repairs or modernization?
With one loan, you can buy your new house and
July 13, 2021
Your DTI ratio compares your monthly debts from bills against your gross monthly income to see how your money is balanced.
July 30, 2024
Several financial categories have an impact your credit score, which is one of the factors that lenders consider when deciding if you’re eligible for a mortgage.
February 16, 2024
Top tips for increasing your credit score.
what is the wealth building loan?
With no down payment required and the opportunity to build equity quickly, the Wealth Building Loan is a winning option for many homebuyers.
The Wealth Building Loan was designed with savvy homebuyers in mind –
what is the community experts loan program?
Simply put, Community Experts is a no-down-payment loan program available exclusively for those who serve as experts on their subject matter for our communities.
As one of these experts, we realize the time
September 02, 2024
If your credit score is less than perfect, check out these tips for improving your score and finding a mortgage loan that suits your needs.
what is the community heroes loan program?
You serve our communities. Let us help serve you!
Community Heroes is a low-down-payment conventional loan program tailored specifically for, well, community heroes. This includes:
Nurses
CNAs
M
achieving your dream of homeownership is possible
The Home Possible® loan program is a conventional mortgage designed to bring homeownership within reach to more families and individuals. This means you! Tailored specifically to low- and moderate
