Mortgage comparisons Waterstone Mortgage

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

View lender sources and requirements information

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.

  1. Confirm the program's identity, residency, credit and property requirements with the lender.
  2. Use the official application channel to request pricing for your actual scenario.
  3. Review the lender's written Loan Estimate, including costs and cash to close.

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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

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.

CFPB: understand your Loan Estimate

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