Amy Kaufman at Waterstone Mortgage NMLS #277571

Providing home financing in Wisconsin. I offer FHA, VA, Conventional, USDA programs for purchasing or refinancing. NMLS license #277571. Always FREE pre-approvals and consultations.

In today's market, buyers and sellers are under pressure to select just the right house, for just the right price, at just the right time, with just the right mortgage. I'm here to make your homebuying process as easy, stress-free and seamless as possible. We are a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF).

Do you remember the first DIY project you took on in your home? Maybe you finished the basement or hung a new light fixture in the dining room. What’s something you’re glad you’ve done, or want to do next? #FromHouseToHome

When you buy a house, there are many types of mortgage loan programs to choose from. We’ll work together to match you with the program that fits your situation, but if you’re just starting the homebuying process and not sure what’s out there, take a look at this overview of the types of mortgages available:

Nothing beats that moment when your head hits the pillow in your new bedroom after a long day of moving into your home. Let’s get in touch to start your journey to homeownership! #FromHouseToHome

Happy Independence Day! Here’s to enjoying the holiday with friends and family.

Don’t just get a pre-approval, get a Platinum Credit Approval (PCA). A PCA from Waterstone Mortgage allows you to tap into our Lock & Shop program, present the next best thing to a cash offer, and close quicker than other homebuyers. Send a message to learn more about the PCA or Lock & Shop process.

Are you a homeowner, in the process of buying, or maybe looking to buy a home down the road? What makes a house a home to you? This month, we’re celebrating all the real-life moments that truly make home where the heart is. What do you love about your home? #FromHouseToHome

Congratulations to all the homebuyers who found their new home this month! Are you making your big move soon? Check out these tips for packing like a pro, because no matter how many times you’ve done it, it never seems to get easier.

Some call it a chore, others call it a perk — owning a home means maintaining the lawn. Which do you prefer, a push lawn mower (get those steps in!) or a rider (just get it over with)? And why?

You have big dreams — we have a loan program for that. Our Jumbo mortgages have no down payment required on loan amounts up to $700,000 and as low as 10% down on loans up to $1.5 million. Ready to make your dreams a reality? Send a message to chat about your options. #JumboLoan

Let’s face it: the moving process isn’t always fun. What’s worse is moving year after year, like many renters have to do. With homeownership comes stability, though, so you don’t have to move unless you want to. Put your boxes and bags away and get ready to change that “permanent address” — let’s chat about your homebuying options. Send a message today. #NationalHomeownershipMonth #ReasonsToOwn

If you could change one thing about your home — big or small — what would it be? Whatever it is, the world is your oyster. Being a homeowner means having the ability to update whatever you’d like. Need financing for your dream reno? Send a message today to learn about your options. #NationalHomeownershipMonth #ReasonsToOwn #HomeownershipBenefits

If you’re not a morning person, getting up and starting the day can be pretty challenging. Take a look at these fun tools that will make you look forward to your mornings a little more:

On this #FirstDayOfSummer, which sounds more refreshing to you: windows open, letting a breeze in, or AC turned up on full blast? Which is your go-to now that summer is here?

There’s something about owning a home that strengthens your neighborhood ties. Homeownership comes with a sense of pride, and makes you fall in love with your community in a way that renting can’t. Are you ready to take the leap? Send a message to get started. #YourLocalLender #NationalHomeownershipMonth

Happy National Splurge Day! Take this as your sign to treat yourself to that new couch, professional carpet cleaning, at-home spa day — whatever you’ve been dreaming of. You deserve it! If you’ve been dreaming of buying your first home, let’s talk.

Happy Father’s Day to the dads who have helped turn so many houses into homes. #FathersDay

Tired of your rent going up every year? A major perk of owning a home is that you know exactly what your monthly payment will be for the entire length of your fixed-rate loan. Gone are the days of a 20% down payment requirement — you may not even need any down payment to buy a house. Send a message today to stop paying rent and start building your own wealth! #HomeownershipBenefits #ReasonsToOwn #NationalHomeownershipMonth

Did you know it’s International Bath Day? Take a look at these luxurious bathroom ideas. Which is your favorite? #BathroomGoals

8 Things Learned from 2018n State of Hispanic Homeownership Report | Infographic

NAHREP recently released their 2018 State of Hispanic Homeownership Report – take a look at some of the great insights we can take away from it. Thanks for the awesome infographic, MGIC. Our Hispanic homeownership mortgage infographic trends show us 92 percent indicate that in the future they are more likely to own a home than rent.

A Select Smart Refinance allows you to lower your mortgage payment by eliminating your monthly mortgage insurance, potentially saving you hundreds of dollars each month. Send a message to learn more about your options! #Refi #NoMoreMI

Owning a home means significant tax breaks. You can deduct things like interest payments, property taxes, and more. It might feel like tax season just ended, but it’s something to keep in mind if you’re buying or selling a home in 2019. Read more about what deductions you can claim on the blog: #HomeownershipBenefits #ReasonsToOwn

It’s #NationalHomeownershipMonth, so now is the perfect time to paint that accent wall or hang that picture you’ve always wanted to — because you can! Being a homeowner means having complete creative control, no landlord’s permission required. Check out these summer home improvement ideas for some inspiration: #ReasonsToOwn #HomeownershipBenefit

This or that: relaxing beach getaway or an adventurous, action-packed vacay? What’s your dream vacation?

USDA loans aren’t just for farmers. If you live in a rural area, or even a small town, you could be eligible for a USDA mortgage. Know anyone that could benefit from this no-down-payment loan? Read more about this loan program’s details: #USDA

Busy weekend ahead of you? Here are some quick and easy things you should clean today if you’ve only got a few minutes to do it in:

About 60% of those looking for a home are first-time homebuyers. At Waterstone Mortgage, we have a wide variety of no- and low-down payment home loan programs perfect for someone looking to buy their first home, because sometimes putting money down at the closing table is the barrier between renting another year and achieving your homeownership goals now. Who do you know that could benefit from this? Send a message and we’ll get started!

House hunting season is in full swing! How do you know which home is right for you? Start by sorting through your “wants” and “needs:”

Have you ever heard the saying “home is where my mom is”? Couldn’t be more true. Happy Mother’s Day to all the incredible mothers out there.

Are you doing any gardening this season? Take some inspiration from everyone’s favorite Fixer Uppers: #GardenGoals

It’s National Teacher Appreciation Day! Today and everyday, our Community Heroes loan program offers a low-down-payment mortgage option to teachers, helping them reach their homeownership goals. Thank you, teachers, for everything you do for our community! Learn more about Community Heroes:

Felíz Cinco de Mayo! The question of the day... which do you prefer to dip your chips in: salsa, or guacamole? It’s a showdown between Team #ChipsAndSalsa and Team #ChipsAndGuac.

Homeownership perk: Not only is the average monthly mortgage payment lower than the average monthly rent payment, but you can plan ahead knowing it won’t increase. Rent payments, on the other hand, are likely to increase year after year while your mortgage payment will stay the same. Send a message and let’s help you figure out how to stop paying rent.

1 in 5 adults ages 18-34 will be purchasing a home this year. Is that “one” you? If not, it’s probably someone you know. Let your friends and family know Waterstone Mortgage has more than a half dozen no down payment mortgage options and the inside scoop on our local real estate market. Send a message to connect today.

Home prices are expected to appreciate by nearly 5% within the next year. What does this mean for you? That $250,000 home you’re looking at now could cost you about $52,000 more over the life of your mortgage if you purchase next spring instead. Let’s talk! Send a message today.

Did you know that the median down payment on approved home loans in 2018 was only 5%? The 20% down payment requirement is a major misconception. In fact, Waterstone Mortgage offers a variety of loan programs that allow you to buy a house with no money down. Send a message to learn more.

Concerned about going from paying rent to a mortgage each month? Did you know the national average monthly rent is $1,420? Start by getting pre-approved for a home loan to determine how much house you can afford, and you might just end up saving some money each month. #MillennialHomebuyer #RentVsOwn

House hunting should be a fun experience — don’t spend it worrying about interest rates. With a Waterstone Mortgage Platinum Credit Approval, you can lock in your rate while you shop around for a home. Learn more about this great option and how you can participate:

Have you broken out the grill yet? Check out these quick week-night grill-out ideas:

It’s true that many millennials have student loan debt. What’s not true, however, is that this prevents you from getting a mortgage. Read more about how this works: #MillennialHomebuyer

Happy Earth Day! It’s easier now than ever to switch over to some “green” household products, like dish soap, laundry detergent, wipes, and others. Bonus: most of these items can be found at your local grocery store, and are super affordable. Here’s a short list of eco-friendly (and easily accessible) brands:

Happy Easter to all those celebrating — enjoy your day!

Getting organized can be a major undertaking. Start by browsing these top picks to help make it a little easier:

There are many perks to being a homeowner, like building wealth, having a sense of stability and security, etc. But did you know that it also makes you more attractive? In fact, 60% of single millennials say that if their potential partner owns a home, it makes them more attractive. You can’t argue with the facts!

Easter is just around the corner! These springy treats are easy to make and delicious, too. Hop to it!

Why do millennials rent for so long? Often, the rationale is that they’re saving up for a home — or rather, the down payment. Did you know that with Waterstone Mortgage, you can get a mortgage with no down payment? Send a message to learn which loan program could be right for you. #MillennialHomebuyer

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Waterstone Mortgage Pre-Approval Process





119 N. McCarthy Road Suite F
Appleton, WI

General information

Always FREE pre-approvals. Competitive rates & fees. Flexible down payment options. Fast, easy application. WI company and local expertise. First-time homebuyer programs.

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
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