Marty Padilla at Waterstone Mortgage NMLS #253287

06/15/2026

5.0 star review received on Experience.com for Marty Padilla by Martin J C - Marty Padilla an his team were exceptional! In every way, from communication, to explaining the process to us step by step. We highly recommend them to anyone who may be looking into buying a home ! Thank you again for everything! An God bless !!!

Click to see all 202 reviews of Martin Padilla at Waterstone Mortgage NMLS #253287, Senior Loan Originator

06/15/2026

In case you missed it — June is National Homeownership Month! 🎉

There’s never a bad time to start preparing for homeownership — whether that means improving your credit, saving for a down payment, or getting pre-approved to understand your buying power.

No matter where you are in the journey, let’s walk through it together.

The internet can answer a lot of questions — but when it comes to home financing, nothing replaces working with a trusted professional who understands your goals and unique situation.

Personalized guidance. Local expertise. 🙌

Reach out anytime to get started.

06/12/2026

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

06/09/2026

4.5 star review received on Experience.com for Marty Padilla by Joaquin G L - Marty and his team were excellent. very timely, helpful and responsive from start to finish. thank you .

Click to see all 201 reviews of Martin Padilla at Waterstone Mortgage NMLS #253287, Senior Loan Originator

06/09/2026

5.0 star review received on Experience.com for Marty Padilla by Jorge L B - Very helpful and made sure I understood everything. was very responsive with any questions I had.

Click to see all 200 reviews of Martin Padilla at Waterstone Mortgage NMLS #253287, Senior Loan Originator

06/06/2026

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.

06/05/2026

5.0 star review received on Experience.com for Marty Padilla by Esteban M - Things were handled professionally and in a timely manner

Click to see all 199 reviews of Martin Padilla at Waterstone Mortgage NMLS #253287, Senior Loan Originator

06/04/2026

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

06/02/2026

5.0 star review received on Experience.com for Marty Padilla by Richard C - It was a pleasant experience beginning to end. Very attentive and responsive to any questions me or my client had.

Click to see all 198 reviews of Martin Padilla at Waterstone Mortgage NMLS #253287, Senior Loan Originator

06/02/2026

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.