John Gabaldon at Waterstone Mortgage NMLS #422738

Did you know you can buy a house with no down payment (or a very small one)?

Many homebuyers still think you have to put 20% down to buy a house. This is a myth!

Waterstone Mortgage offers a variety of mortgage programs designed to help buyers get into a home sooner, with flexible down payment options to fit different financial situations.

Some options include…

✅ FHA loans
✅ VA loans
✅ USDA loans
✅ Loans for local heroes and experts
✅ Waterstone Mortgage’s “Powerhouse 100”
✅ 3% down conventional options

Learn more here: https://bit.ly/4uGDvlX

5.0 star review received on Experience.com for John Gabaldon by Julia I M - I had a great experience with the Waterstone team. I did have my doubts and didn't think we'd make it to the finish line, but they did everything and anything they could to push it to closing. I am very thankful for Waterstone Mortgage and would definitely recommend!

New ★★★★★ 5 Star Experience.com Review by Julia I M Click to see all 531 reviews of John Gabaldon at Waterstone Mortgage NMLS #422738, Loan Originator

5.0 star review received on Experience.com for John Gabaldon by Anthony M Z - John Galbadon and his team were very professional and prompt when needing to meet any deadline or issues that we encountered. He also referred me to Edgar Delgadillo to utilize as our realtor, and he was amazing! All parties made our first home buying process smooth and exciting!

New ★★★★★ 5 Star Experience.com Review by Anthony M Z Click to see all 530 reviews of John Gabaldon at Waterstone Mortgage NMLS #422738, Loan Originator

5.0 star review received on Experience.com for John Gabaldon by Dolores O - Your team is top of the line. Always ready to answer any questions and there was never an unanswered call. Your availability and promptness is outstandling, as well as your knowledge. I will recommend you to my friends and provide you with their information. You are AWESOME!!

New ★★★★★ 5 Star Experience.com Review by Dolores O Click to see all 527 reviews of John Gabaldon at Waterstone Mortgage NMLS #422738, Loan Originator

Don’t let internet mortgage advice make major financial decisions for you.

Rates are important, but they’re only one piece of the puzzle. Loan structure, monthly payment, cash-to-close, future plans, and market timing all matter just as much.

Plus, many buyers are discovering they can refinance later, but they can’t always go back and buy at yesterday’s home prices.

The good news is you don’t have to navigate your homebuying journey alone. Let’s go over your situation and discuss your options together. Send a message to get started.

House hunting often starts with one big question: How much house can I ACTUALLY afford? 🏡

Before you start scrolling listings, take a closer look at the factors that shape your homebuying budget — from credit score and debt-to-income ratio to down payment options and monthly comfort level.

For a closer look at how a home’s list price translates to your monthly payment, start here: https://bit.ly/4vbRmjR

June is National Homeownership Month — a time to celebrate the dream of homeownership and the opportunities it creates for individuals and families. 🏡

Whether you're buying your first home, upgrading to fit your growing needs, or exploring your options for the future, having the right guidance can make all the difference.

If homeownership is one of your goals this year, let’s make your move together. We’ll work hand-in-hand to ensure you secure the right mortgage loan to meet your needs.

Even if you’re not ready to buy today, understanding your options early can help you prepare with confidence.

Send a message to chat.

Real estate investors, this one’s for you!

If you’re looking to expand your portfolio — or jump into the real estate game — consider Waterstone Mortgage’s Cashflow Pro program.

We’ll use your debt service coverage ratio (DSCR) to qualify you — meaning you can get a loan based on the income your investment property generates.

You don’t have to be a seasoned investor to take advantage of this program; first-time investors are allowed, too!

Sound like a good fit? Learn more here, or reach out with any questions. https://bit.ly/4tMUnGx

4.75 star review received on Experience.com for John Gabaldon by Joselyn O C - The team is very informative and stays on top of things, insuring a smooth and easy closing. Thank you!

New ★★★★★ 4.75 Star Experience.com Review by Joselyn O Click to see all 526 reviews of John Gabaldon at Waterstone Mortgage NMLS #422738, Loan Originator

So, you decided you want to buy a house. Confused about where to begin?

Your journey starts with a pre-approval.

Getting pre-approved early helps you:
☑️ Understand your budget
☑️ Strengthen your offer
☑️ Move quickly when you find “the one”

Ready to make your move? Start here: https://bit.ly/41tba5W