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December 27, 2019
What really happens when you buy a house? Sure, you have to find your dream home and apply for a mortgage, but what else goes into purchasing your dream home?
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.
September 17, 2024
Here are the types of funds you can (and can’t) use for an initial deposit for your home purchase.
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&
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.
Jennifer George is Waterstone Mortgage's VP – Investor Relations and Credit Policy.
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
November 25, 2025
The FHFA’s updated 2026 conforming loan limit could expand buying power for many homebuyers.
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.
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.
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.
Estimate your monthly payments for your mortgage.
September 04, 2024
There’s a lot that goes into buying a house before you actually sign on the dotted line, and it all starts with a mortgage pre-approval.
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.
December 10, 2024
Before you start house-hunting, calculating your price range is essential.
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
August 27, 2024
Here’s what lenders look for when deciding if you qualify for a mortgage.
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
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
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 –
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.
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. (
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
