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August 02, 2024
Private mortgage insurance is sometimes needed to secure a mortgage; here’s how you can eventually phase it out of your monthly payment.
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.
mortgage loans for veterans and active-duty military
Veterans Affairs (VA) loans provide special financing just for veterans and active-duty members of our military — our small way of saying “thank you.”
VA loans are a special type
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.
February 23, 2024
The first step many people take to build good credit is getting a credit card and paying the full balance with every statement. After a few months of established history, a credit score will populate — and hopefully a pretty good one at that. (
February 16, 2024
Top tips for increasing your credit score.
July 13, 2021
Your DTI ratio compares your monthly debts from bills against your gross monthly income to see how your money is balanced.
We are proud to offer the Freddie Mac BorrowSmart® program, helping make homeownership more affordable for eligible homebuyers.
Eligible homebuyers can use these down payment assistance programs to:
Achieve the minimum down payment required
February 02, 2024
Waterstone Mortgage offers a variety of loan options for those with no credit history.
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
September 17, 2024
Here are the types of funds you can (and can’t) use for an initial deposit for your home purchase.
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
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
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.
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
what is a HomeStyle® renovation loan?
Picture this: You’ve found your dream home. But… there’s just that one thing you wish could change.
The HomeStyle® Renovation mortgage loan program allows you to take out one mortgage t
November 26, 2024
The Federal Housing Finance Agency (FHFA) recently increased the conventional conforming loan limit for one-unit single-family homes from $766,550 in 2024 to $806,500 in 2025.
The loan limit has increased by nearly $40,000 — a response to incre
what is HomeOne®?
HomeOne®, offered by Freddie Mac, is a conventional conforming mortgage program designed to provide a low-down payment option for borrowers, with no specific income or geographic restrictions.
accessible home loan financing with HomeReady®
Designed to make home loan financing more accessible, the HomeReady® mortgage loan program provides eligible homebuyers with a variety of ways to achieve their homeownership goals.
Did you kn
November 26, 2024
If you’ve ever been in the market for a new home, you might have heard terms like “conforming limit” or “jumbo loan” thrown around. This might seem like just another regulation or a hoop you have to jump through, but it&
We know your dream home is out there — sometimes it just takes a little bit of TLC or imagination to bring it to life.
At Waterstone Mortgage, we have several loan programs that will allow you to build your new home from the ground up. You can
Jennifer George is Waterstone Mortgage's VP – Investor Relations and Credit Policy.
Looking for an affordable homeownership solution? Waterstone Mortgage’s Powerhouse 100 loan program offers 100% financing for eligible homebuyers — that means no down payment required.
June 17, 2025
Many home loan programs offer low down payment requirements – or no down payment required at all.
June 30, 2022
Applying for a mortgage is a multi-step process, but things look a little different when you’re self-employed.
If you are self-employed or freelance, the mortgage application process may look different than it does for those with a traditional employer.
Waterstone Mortgage offers a variety of loan options for self-employed homebuyers.
March 28, 2021
Down payment assistance programs can help eligible homebuyers achieve their homeownership goals.
July 11, 2025
A temporary buydown allows homebuyers to lower their interest rate for the first several years of their mortgage loan, helping them ease into homeownership.
August 27, 2024
Down payment assistance qualifications include first-time homebuyer status, income limits, and homebuyer education requirements.
February 13, 2024
Aside from the down payment, other fees may be due at the closing of your new home.
