Home Financing Options

If you like having options, you’re in luck. Through Waterstone Mortgage, we offer a variety of loan programs to suit the needs of first-time homebuyers, experienced homebuyers, those planning to fix up a home or simply build new.

Conventional Loans

Conventional loans are often referred to as “conforming loans,” because they meet the guidelines set by Freddie Mac and Fannie Mae.

FHA Loans

FHA loans are insured by the Federal Housing Administration. These loans are designed to help first-time homebuyers and experienced homeowners alike.

USDA Loans

USDA Guaranteed Rural Housing Loans are 30-year mortgages. Not just for farmers, USDA Loans also help families finance homes in rural areas.

VA Loans

VA loans are a special type of home mortgage designed to provide long-term home financing to active military members and veterans.

Jumbo Loans

A jumbo loan is any home loan that exceeds a specific threshold (called the conforming loan limit), which is currently $453,100 for a single-family home.

Single Loan Close Construction Program

A single loan covers your construction costs and mortgage. One loan. One closing. One easy process.

Purchase Calculator

Purchasing a home is one of the biggest financial decisions you’ll ever make. With this purchase calculator, you can determine how much your monthly mortgage payments will be – which will give you a good idea of how to plan for the future.

By entering the purchase price of your new home, down payment amount, interest rate, mortgage term (in years), annual taxes, and homeowners insurance, you can instantly see your monthly payment amount. This will give you a clearer picture of how much “house” you can afford.

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Whether you have questions or just want more information, we always here to help!

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