Marty Padilla at Waterstone Mortgage NMLS #253287

Think a down payment is what's standing between you and homeownership?

The reality is, there are so many down payment assistance programs available, but many people never realize they're eligible because they don't know where to look.

Here’s an easy place to start. ⬇️ Just answer a few quick questions, and this tool will show you programs that match your situation.

If buying a home is on your radar — even if it's a "maybe someday" — it's definitely worth checking out.

Start your search for down payment assistance here: https://bit.ly/4xOecAk

Happy Labor Day! 🇺🇸 Whether you're spending today relaxing with loved ones, firing up the grill, or simply enjoying the comfort of home, have a safe and relaxing Labor Day!

4.5 star review received on Experience.com for Marty Padilla by Ashley R - Marty and his team were always ready and available to answer any questions we had during this process. They were quick to respond to my emails or calls at every step of the process.

Read more: https://experience.com/reviews/marty-padilla-404029/211ba22d-d2e2-4e51-946a-789632e65e7e?V=1788487393&utm_source=facebook&utm_medium=autopost&utm_content=13487061

Would qualifying based on your property's income instead of your personal income change your investing strategy?

Waterstone Mortgage’s Cashflow Pro for Investors focuses primarily on whether the property generates enough rental income to cover the mortgage — not your W-2 or tax returns.

For the right investor, that can open doors to growing a portfolio without the same hurdles as traditional financing.

Curious if it's a fit for your investment goals? Start here: https://bit.ly/4qGzGMm

Summer may not be over just yet, but are you...

☀️ Team Summer
or
🍂 Team Fall?

Would you rather spend the afternoon by the pool or curled up under a blanket with a warm drink?

Tell us which season feels more like home in the comments! 👇

5.0 star review received on Experience.com for Marty Padilla by Jessica F - Mikayla Padilla was so amazing throughout this whole process! From explaining how the first time home buyers program works, connecting us with a credit specialist and being supportive and understanding through everything. We appreciated all of her help and support , through every question , she answered us with compassion and understandin. She was very knowledgeable and helpful! We are so thankful to the whole Waterstone team but very grateful to have Mikayla along the way! We will recommend Waterstone to anyone who asks who we went through, or whose looking for services you all provide. Thank you all again, for being the best!! -- The Falli Family

Read more: https://experience.com/reviews/marty-padilla-404029/7ec41fa0-cf46-458f-97b2-a60e7b549818?V=1788111386&utm_source=facebook&utm_medium=autopost&utm_content=13475694

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 years of the homebuyer’s loan.

What does this mean for homebuyers?

✅ Buying a house is expensive — you can use this financing option to ease into your mortgage.
✅ Temporary buydowns are especially great for those who don’t want to wait for interest rates to drop to buy a house but would like to take advantage of some savings upfront.
✅ Seller won’t go for it? Consider Smart Start, our LENDER-PAID buydown option.

Learn more: https://bit.ly/45hRPWS

Don’t let long wait times slow you down. At Waterstone Mortgage Corporation, how we’re making quick, seamless loan closings a reality.

Ready to start your journey? Let’s talk. Visit the link to get pre-approved: https://bit.ly/4tCbtb2

Myth Monday: You need 20% down to buy a home.

Many buyers qualify with far less than 20% down — and some loan programs even offer 0% down for those who are eligible.

The required down payment depends on the loan program and your individual situation. 🙌

Don't let this common misconception keep you from exploring your options. You may be closer to homeownership than you think.

Let’s make your move together. Send a message to get started!