Jon Bozarth at Waterstone Mortgage Corporation NMLS #1034766

https://hdmphotography.hd.pics/9287-119th-Ave

NEW LISTING COMING THIS WEEK!!! DM me for details!!

9287 119th Ave, Largo, FL 33773 2,316 square feet,

https://hdmphotography.hd.pics/1473-Aberdeen-Oaks-Dr

Its live and a stunner!!!!

1473 Aberdeen Oaks Dr, Dunedin, FL 34698 3,123 square feet,

At the beginning of the 1970s, mortgage interest rates were around 7.3%. If a homebuyer would have “waited” for interest rates to drop, it would have taken decades. In that time, home prices skyrocketed. 📈

Bottom line, there IS a cost of waiting if you're renting.

Send a message to chat about your home purchase options!

Your home is one of the biggest purchases you’ll make in your life — if not THE biggest purchase. Don’t just push a few buttons on your computer, work with a mortgage lender who can provide guidance and expertise.

Send a message to chat about your financing options today! 💬

If a new home is one of your goals for 2024, now is the best time to get started! Waterstone Mortgage is extending our Platinum Credit Approval Closing Guarantee — and you don't want to miss out on this one!

With our Platinum Credit Approval Closing Guarantee, if we are unable to close a Platinum Credit Approval (PCA) loan — due to an internal error during our underwriting process — Waterstone Mortgage will pay the seller(s) of the subject property $5,000. We’re offering this exclusive program for PCA customers who lock their loans by March 31, 2024.

The sooner you start the PCA process, the better prepared you’ll be to look for a home. We anticipate a competitive market in the months ahead, so send a message to get started on your PCA now!

https://bit.ly/3Sa9ydi

Happy New Year’s Eve! Today’s the day to reflect on the past year and look forward to the year ahead.

What are your homeownership goals for 2024?

#2024

December 26 is ! 🏠

If you own a home, what is your favorite part of it? If you’re not a homeowner yet, what are you most looking forward to about owning a place of your own?

Happy holidays from your friends at Waterstone Mortgage! ‘Tis the season to be jolly — which is not difficult with such incredible customers, business partners, and team members! Wishing you a day filled with peace and joy.

You probably know you’re supposed to have “good credit” to buy a house, but what does that even mean?

Your credit score is made up of several factors, including payment history, amount owed, length of credit history, and more.

Visit the blog to learn more about what goes into your credit score: https://bit.ly/4au4VSn

If you own a home and have built up equity, you may want to consider exploring your options for utilizing those available funds. Two common options are home equity loans (HELOAN) and home equity lines of credit (HELOC).

But what’s the difference? Visit the blog to find out: https://bit.ly/4asPwlg

One of the greatest parts of homeownership is making your house into a reflection of who you are and what you love.

Send a message to learn how you can become a homeowner today!

When interest rates drop, competition increases — it’s basic supply and demand economics. Homes you have your eye on might start getting multiple offers, some significantly over asking.

Stay ahead of the curve by working with a team of trusted real estate professionals and getting a solid pre-approval (like Waterstone Mortgage’s Platinum Credit Approval). The best piece of advice, however, is DON’T WAIT! If you’re thinking about buying a house, take action now.

Send a message to get started today.

Home prices have appreciated significantly over the last few years. If you want to tap into your home’s equity, but still hang onto the low interest rate you’ve previously secured, consider a home equity loan and keep your ⭐ blended rate ⭐ in mind.

Home equity loans allow you to draw on the equity you’ve built in your home to receive a lump sum of funds in the form of a second mortgage (as opposed to doing a cash-out refinance, which alters your original mortgage loan and comes with a new interest rate altogether).

Although your rate for the second mortgage may be higher than your existing mortgage, your blended (average) rate will likely still be LOWER than the current market rate.

Plus, if you’re using this equity to pay off other high-interest debt, your blended interest rate for all your debts combined will DECREASE significantly. 📉

If this sounds like something you could benefit from, let’s crunch the numbers together. Send a message to get started!

There’s no place like home for the holidays… imagine being in a home of your own next holiday season? 🙌

It’s never too early to get started on your journey to homeownership. Send a message TODAY to go over your mortgage options!

Buying your first house should be exciting, not scary! There are a few things you can do to prepare, like checking your credit score, prepping for the down payment and closing costs, and getting pre-approved.

Learn how to set yourself up for success here: https://bit.ly/41kTFn7

Waiting for interest rates to drop could cost you thousands. Why? When interest rates are high, home prices tend to go down due to less demand. When rates decrease, demand skyrockets — meaning home prices will increase and heightened competition will cause many buyers to put in offers well over asking. It’s basic supply/demand.

Enjoy the best of both worlds: Buy now while there are fewer buyers on the market, then refinance if rates decrease later.

Send a message to get started with a pre-approval!

Ralph Waldo Emerson said it best. “A house is made with walls and beams; a home is built with love and dreams.”

Are you ready to achieve the dream of homeownership? Send a message today to get started.

Owning your own home doesn't have to be a "pipe dream." There are many loan programs that have a small down payment requirement, or none at all. Plus, you may be able to take advantage of down payment assistance programs available for first-time homebuyers.

Send a message for more info on how you can get started on your journey to homeownership.

Are you hosting a party for the holidays? Wait, how many people are coming? What food do you make? Should you decorate?

Worry not, here are some tips and tricks on how to throw a holiday party that’s stress-free. 🎊



Learn how to party plan with ease: https://bit.ly/47DwS8y

2024 conventional conforming loan limit = $766,550 💰 🏠

The Federal Housing Finance Agency (FHFA) has set the 2024 single-unit conforming loan limit at $766,550!

This is an increase of more than $40,000 from last year's limit, which means homebuyers can now increase their budgets considerably and still qualify for a conventional loan. Conventional loans offer more flexible credit requirements and a lower down payment than jumbo loans.

Visit the blog to learn more, or send a message to discuss your home financing options. https://bit.ly/47zSVg4

It’s Small Business Saturday! Today is all about the little guy and what you can do to support them! What businesses are you supporting today?

Comment your favorite small business below to give them a little love this Saturday!

What do sweet potatoes wear to bed? Yammies! 🦃 Wishing you a Happy Thanksgiving!

Finish 2023 on a high note! If you’re buying a home soon, you can still take advantage of Waterstone Mortgage's Platinum Credit Approval Closing Guarantee… but time is running out. We’re offering this exclusive program for Platinum Credit Approval (PCA) customers who complete the PCA process by December 31, 2023.

With our Platinum Credit Approval Closing Guarantee, if we are unable to close a PCA loan — due to an internal error during our underwriting process — Waterstone Mortgage will pay the seller(s) of the subject property $5,000.

Remember that time is limited, so send a message to get started on your PCA process!

https://bit.ly/3R0ToCh

To rent or to own? 🤔

Do you want to build someone else’s wealth by paying rent and in turn, their mortgage? Or would you rather build your own wealth by investing in homeownership? The choice is simple.

Invest in your future; own a home.

Send a message to get started.

Your home’s equity can be one of the biggest resources to you financially. 🏠 💸 You can tap into that equity with a cash-out refinance for things like debt consolidation, paying off student loans, making home renovations, and more.

Learn more about Waterstone Mortgage’s refinance options: https://bit.ly/3SH9W3s