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June 12, 2023
When you apply for a mortgage, lenders consider your credit score – which is determined by these five categories.
May 27, 2020
If your credit score is less than perfect, check out these tips for finding a mortgage loan that suits your needs and improving your score.
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. (
February 16, 2024
Top tips for increasing your credit score.
July 13, 2021
Your DTI ratio compares your monthly debts from bills against your gross monthly income to see how your money is balanced.
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.
We are proud to offer the Freddie Mac BorrowSmart Access℠ program, helping make homeownership more affordable for eligible homebuyers. With this program, homebuyers can receive up to $3,000 in down payment and/or closing cost assistance.
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.
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.
Did you kn
January 16, 2024
The Federal Home Loan Bank of Chicago’s Downpayment Plus® Program offers $10,000 or 25% of the first mortgage amount in down payment assistance (whichever is less) for eligible homebuyers.
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
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
March 07, 2024
Many home loan programs offer low down payment requirements – or no down payment required at all.
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.
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.
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.
what is a condo loan?
Buying a condominium (condo) is a unique situation, because while the owner of the condo has full ownership of the interior of their unit (just like they would any other home), a condo association owns the common areas. It&rsquo
November 19, 2019
A down payment is the portion of your new home’s cost you pay upfront. Some mortgage loans require a certain percent down, and others require none at all. There are, of course, perks to providing a down payment, such as a lower mortgage amount
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
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.
Achieve the dream of homeownership with the Native American Home Loan Program, available exclusively for members of federally recognized Native American tribes.
Looking for an affordable homeownership solution? Waterstone Mortgage’s Powerhouse 100 loan program offers 100% financing for eligible homebuyers — that means no down payment required.
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.
Looking to finance your home, but your needs don’t seem to fit the mold of a traditional mortgage? Our wide variety of niche and specialty loan programs may be just the ticket.
July 23, 2024
When applying for a mortgage loan, there are 5 main criteria mortgage lenders take into consideration.
June 30, 2022
Applying for a mortgage is a multi-step process, but things look a little different when you’re self-employed.
July 19, 2024
Everything you need to know about the appraisal process.
