The Neal Tipton Team - Waterstone Mortgage - NMLS #188890

Your House Didn’t Sell. Here’s How To Turn It Around.

Your House Didn’t Sell. Here’s How To Turn It Around. When your house doesn’t sell, it’s not just disappointing. It messes with your timing. Your plans. Your confidence.

Having a mortgage pre-approval letter in your back pocket will help you present a solid offer on a new home.

A Platinum Credit Approval (PCA) from Waterstone Mortgage will make it a ✨stand-out✨ offer.

A PCA involves a full credit underwrite upfront, which not only makes your offer strong enough to compete with cash, but it’ll also help you close faster since the heavy lifting is done already.

Interested in taking advantage of this tool? Start here: https://bit.ly/4fsLHPO

More Sellers Are Taking Their Homes off the Market. Here’s What You Need To Know.

More Sellers Are Taking Their Homes off the Market. Here’s What You Need To Know. You may be hearing that a near-record number of homeowners are pulling their houses off the market.

That House That’s Been Sitting Could Be Your Best Shot at a Deal

That House That’s Been Sitting Could Be Your Best Shot at a Deal Open up a home search and you'll see them. Listings that have been on the market for two months. Three. Some longer.

Happy Father’s Day to the dads, stepdads, grandpas, and father figures helping turn houses into homes. 🏡 Wishing you a day filled with love, family, and a few dad jokes.

One question we’re seeing a lot throughout the industry right now is: “How do I buy a house if I’m self-employed?”

The process DOES look a little different for those who are self-employed, freelancers, small business owners, or gig workers.

Normally, you’ll need to provide a W-2 when applying for a mortgage.

But with Statement Select, Waterstone Mortgage’s bank statement program, you can use your bank statements to qualify — no W-2 needed.

This article walks through the process — check it out: https://bit.ly/4wY4pHu

Is It Still a Seller's Market? Here's What the Data Says.

Is It Still a Seller's Market? Here's What the Data Says. Remember a few years back when sellers held all the power and buyers were stuck offering way over asking or waiving inspections just to get a chance at the house? In many markets, those days are behind us.

Imagine having a little more room in your budget during your first year as a homeowner.

With Smart Start Buydown, eligible buyers benefit from reduced mortgage payments during year one, helping make the transition into homeownership a little easier. Best of all, Waterstone Mortgage covers the cost of the temporary rate buydown.

Let’s make your move together. Send a message to go over your options!

Think Home Prices Will Crash? Here's What the Experts Actually Expect.

Think Home Prices Will Crash? Here's What the Experts Actually Expect. One of the biggest reasons buyers are still sitting on the sidelines is because they think home prices are going to come down.

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.