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May 20, 2025
The Waterstone Mortgage President’s Club recognizes loan originators who hit various production milestones in a given calendar year.
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 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.
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 –
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.
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.
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
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
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.
October 14, 2021
Homeowners insurance protects your home, while private mortgage insurance (PMI) protects your mortgage lender from the effects of loan default.
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
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
February 02, 2024
Waterstone Mortgage offers a variety of loan options for those with no credit history.
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
October 19, 2024
Private mortgage insurance is often required for conventional mortgage loans with less than 20% down.
August 20, 2020
Homeowners insurance protects you and your home in the event of an accident.
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.
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
If you are looking to purchase a home in the United States, but don’t have a Social Security number (SSN), Waterstone Mortgage offers a variety of loan options to help you achieve the dream of homeownership.
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&
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
June 30, 2022
Applying for a mortgage is a multi-step process, but things look a little different when you’re self-employed.
mortgage loan financing for investment properties
There's no doubt that investing in real estate can be a great way to build long-term assets and generate rental income. But what’s the best way to finance your investment property deals?
If you&
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.
Looking for a getaway? (Aren’t we all?) Let us help you find your home-away-from-home with financing options to suit your unique needs and financial situation.
mortgage loans for manufactured homes
Waterstone Mortgage’s manufactured home loan program offers conventional, FHA, and VA financing for both single- and double-wide mobile homes.
The quality of manufactured homes has greatly improved in recen
