Convenient and flexible home loans processed and serviced locally.

Adjustable Rate Mortgages (ARMs)

• Option of 3-year or 5-year ARM
• ARMs are available for purchase or refinance of owner occupied, second homes or investment properties
• Owner Occupied loans up to 85% Loan to Value, with no mortgage insurance required
• Non-Owner Occupied products for an individual or entity
• Loans are serviced by WaterStone Bank

Specialized Mortgage Programs for Medical Students and Residents

• Includes qualifying income based on employment contract
• Low down payment programs
• Option of 3-year or 5-year ARM
• Available for purchase of an owner occupied property

Other Loan Options

• WaterStone Mortgage Corporation (a subsidiary of WaterStone Bank) offers additional mortgage options with its wide range of products

Useful Forms

• Personal Financial Statement (PDF)
• Business Purpose Disclosure Statement (PDF)
• Business Purpose Disclosure Statement – HMDA Addendum (PDF)