Waterstone Mortgage · Lender
Waterstone Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Our take: Pros & Cons
What we like
- An ITIN financing pathway is advertised for borrowers residing in the United States.
- Primary-residence, second-home and investment-property options are advertised.
What to consider
- Published program details list up to 85% financing and FICO scores as low as 660. Confirm the limits for your specific transaction.
- The published ITIN program does not require a visa or EAD except for DACA homebuyers. Confirm the documents applicable to your circumstances.
- Financing is through a broker relationship with NP, Inc. TPO Lending, which determines credit approval. Other requirements apply.
AI-generated lender-level assessment based on published information. Not a verified assessment of Waterstone Mortgage ITIN Home Loan; confirm program-specific conditions below.
Additional lender considerations
- Request current down payment, reserves, income documentation, geographic availability, interest rate, APR, fees and a Loan Estimate. Approval is not guaranteed.
Newcomer requirements
Waterstone Mortgage ITIN Home Loan
Fit not assessed · Check fit
Rates and costs
Waterstone Mortgage ITIN Home Loan
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Waterstone Mortgage ITIN Home Loan
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Broker-arranged ITIN mortgage financing for eligible borrowers living in the United States who file taxes using an ITIN instead of an SSN. Requirements differ from Waterstone’s work-visa program.
Legal lender: Waterstone Mortgage Corporation
Lending channel: Confirm with lender
Provider type: Mortgage company
Lending channel, current service footprint and application path await current official verification.
Official mortgage terms · Profile reviewed: Oct 21, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.