Trace Sanchez at Waterstone Mortgage NMLS #404792

5.0 star review received on Experience.com for Trace Sanchez by Alyssa R - Trace had helped me through the entire process. He answered every question that I had as a first time homebuyer and made the process quick and easy.

New ★★★★★ 5 Star Experience.com Review by Alyssa R Click to see all 87 reviews of Trace Sanchez at Waterstone Mortgage NMLS #404792, Loan Originator

Could refinancing put more money back in your pocket?

If you bought a home between 2023 and 2025, it may be worth taking another look at your mortgage. New research from LendingTree shows nearly one-third of homeowners who purchased during those years may be able to lower their rate or monthly payment in today’s market.

Even a small rate reduction could mean meaningful monthly savings — helping free up room for home improvements, savings, debt payoff, or everyday expenses.

Every situation is different, so it’s important to review your full financial picture.

If you’d like to explore whether refinancing makes sense, let’s crunch the numbers together. Send a message, and we’ll explore which option makes the most sense for you.

In case you missed it — June is National Homeownership Month! 🎉

There’s never a bad time to start preparing for homeownership — whether that means improving your credit, saving for a down payment, or getting pre-approved to understand your buying power.

No matter where you are in the journey, let’s walk through it together.

The internet can answer a lot of questions — but when it comes to home financing, nothing replaces working with a trusted professional who understands your goals and unique situation.

Personalized guidance. Local expertise. 🙌

Reach out anytime to get started.

Did you know you can buy a house with no down payment (or a very small one)?

Many homebuyers still think you have to put 20% down to buy a house. This is a myth!

Waterstone Mortgage offers a variety of mortgage programs designed to help buyers get into a home sooner, with flexible down payment options to fit different financial situations.

Some options include…

✅ FHA loans
✅ VA loans
✅ USDA loans
✅ Loans for local heroes and experts
✅ Waterstone Mortgage’s “Powerhouse 100”
✅ 3% down conventional options

Learn more here: https://bit.ly/4uGDvlX

Don’t let internet mortgage advice make major financial decisions for you.

Rates are important, but they’re only one piece of the puzzle. Loan structure, monthly payment, cash-to-close, future plans, and market timing all matter just as much.

Plus, many buyers are discovering they can refinance later, but they can’t always go back and buy at yesterday’s home prices.

The good news is you don’t have to navigate your homebuying journey alone. Let’s go over your situation and discuss your options together. Send a message to get started.

House hunting often starts with one big question: How much house can I ACTUALLY afford? 🏡

Before you start scrolling listings, take a closer look at the factors that shape your homebuying budget — from credit score and debt-to-income ratio to down payment options and monthly comfort level.

For a closer look at how a home’s list price translates to your monthly payment, start here: https://bit.ly/4vbRmjR

5.0 star review received on Experience.com for Trace Sanchez by Suzan S - Trace is always available and quick to respond. He is respectful, knowledgable and explains things in a way that is easy to understand. I enjoy working with him.

New ★★★★★ 5 Star Experience.com Review by Suzan S Click to see all 85 reviews of Trace Sanchez at Waterstone Mortgage NMLS #404792, Loan Originator

June is National Homeownership Month — a time to celebrate the dream of homeownership and the opportunities it creates for individuals and families. 🏡

Whether you're buying your first home, upgrading to fit your growing needs, or exploring your options for the future, having the right guidance can make all the difference.

If homeownership is one of your goals this year, let’s make your move together. We’ll work hand-in-hand to ensure you secure the right mortgage loan to meet your needs.

Even if you’re not ready to buy today, understanding your options early can help you prepare with confidence.

Send a message to chat.

5.0 star review received on Experience.com for Trace Sanchez by Patrick C M - The process to get this home required much more attention to detail . They, (you all) did a great job. Thank you

New ★★★★★ 5 Star Experience.com Review by Patrick C M Click to see all 83 reviews of Trace Sanchez at Waterstone Mortgage NMLS #404792, Loan Originator

5.0 star review received on Experience.com for Trace Sanchez by Faisal N - Trace is knowledgeable and always takes time to explain the process

New ★★★★★ 5 Star Experience.com Review by Faisal N Click to see all 82 reviews of Trace Sanchez at Waterstone Mortgage NMLS #404792, Loan Originator