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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.
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&
Jennifer George is Waterstone Mortgage's VP – Investor Relations and Credit Policy.
November 25, 2025
The FHFA’s updated 2026 conforming loan limit could expand buying power for many homebuyers.
August 27, 2024
Here’s what lenders look for when deciding if you qualify for a mortgage.
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
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
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 28, 2019
Odds are, if you have a college degree you have student loan debt that comes along with it. In fact, 70% of college students graduate with student loan debt. One-fourth of all American adults are currently paying off student loans.
That may sound int
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.
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
I am the Senior Marketing & Communications Specialist for Waterstone Mortgage, specializing in copywriting for internal and external pieces — social media, corporate communications, blog posts, advertisements, and more.
January 07, 2026
A 40-year mortgage allows you to stretch your budget, save on monthly payments, and qualify for a loan you might not have otherwise.
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.
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 01, 0001
The Federal Home Loan Bank of Chicago’s Downpayment Plus® Program offers up to $10,000 in down payment assistance for eligible homebuyers.
