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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.
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.
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.
A Loan for Every Homebuyer
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Should I refinance? Use this calculator to estimate how much a refinance will cost. Simply use the sliders or type in your loan details to see how a refinance could benefit your financial situation.
January 01, 0001
understanding home equity
As a homeowner, one of your biggest assets is your home’s equity. Equity is the amount of your home that you own outright. This includes the amount you paid in cash up front (your down payment), plus the amount you pay
A home equity loan allows you to draw on the equity you've built in your home to receive a lump sum of funds in the form of a second mortgage.
Home equity loans can be a valuable financial tool for homeowners who need access to funds for specific pur
January 01, 0001
A home equity line of credit (HELOC) is line of credit that allows homeowners to borrow money against the equity in their home. It works somewhat like a credit card, where you have a predetermined credit limit, and you can borrow against it as needed
