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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
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
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
home construction loans at Waterstone Mortgage
Are you ready to build your dream home? Our Single Loan Close Construction Program makes getting one loan for the entire process simple. Let us focus on getting you financed while your general contractor
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
At Waterstone Mortgage, we know that a home purchase is often the largest investment you will make in your lifetime. Our team works together to deliver the best mortgage experience possible. We will be there for you every step of the way, offering re
November 25, 2025
The FHFA’s updated 2026 conforming loan limit could expand buying power for many homebuyers.
February 16, 2024
Top tips for increasing your credit score.
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. (
September 04, 2026
Here's what mortgage lenders look at when evaluating your credit.
August 20, 2020
Homeowners insurance protects you and your home in the event of an accident.
October 19, 2024
Private mortgage insurance is often required for conventional mortgage loans with less than 20% down.
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
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
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.
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 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.
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.
I am the Communications Coordinator for Waterstone Mortgage, specializing in media relations and copywriting for special projects and initiatives. I worked as a writer and editor for a local magazine before transitioning to corporate communications.
July 13, 2021
Your DTI ratio compares your monthly debts from bills against your gross monthly income to see how your money is balanced.
October 14, 2021
Homeowners insurance protects your home, while private mortgage insurance (PMI) protects your mortgage lender from the effects of loan default.
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.
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.
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
February 02, 2024
Waterstone Mortgage offers a variety of loan options for those with no credit history.
