Home Loans

Loans are subject to credit and property approval, WaterStone Bank SSB (Bank) underwriting guidelines, and Loan-to-Value requirements. Not available in all states. Term may vary. Conditions and restrictions may apply. Minimum loan amount of $5,000. Loan Annual Percentage Rates (APRs) listed are effective December 11, 2025. Introductory rate APR of 4.99% fixed for 6 months or 5.49% fixed for 12 months from opening and is only available with the set-up of automatic recurring monthly payments from a Bank consumer checking account. Refinances of existing Bank home equity line of credit products are excluded from offer. After the introductory rate period, the APR will be variable and based upon the U.S. Prime Rate as published in the Wall Street Journal on the last business day of the month, plus the Bank’s margin. As of December 11, 2025, the APR was 6.75% and subject to change. There is no limit on the amount by which the rate can change during a one-year period. Rates will not exceed 18% and will not fall below 4.25%. Required closing costs related to appraisal, title insurance, and other fees range from $250 to $1,675. An early termination fee of 2% of the amount prepaid up to $500 will be charged if closed within three years of opening. A $75 annual fee applies annually. Property insurance required; if the collateral is in a flood zone, flood insurance required. Product allows for interest only payments, which will result in a balloon payment at the end of the term. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible. Consult a tax advisor with questions. Offer and terms subject to change at any time. For current rates, margin, and full terms visit a branch or contact us directly.