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Marty Padilla at Waterstone Mortgage NMLS #253287

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United States
Albuquerque, NM
Marty Padilla at Waterstone Mortgage NMLS #253287

Marty Padilla is a Senior Loan Originator at Waterstone Mortgage in Albuquerque, New Mexico. Branch License -89755.

At Waterstone Mortgage, we're dedicated to providing the best mortgage lending experience possible. We know that home purchases are often the largest investments our clients will make in their lifetimes, and we do everything in our power to make each venture memorable and enjoyable. We offer a wide array of unique loan products and we're experts at matching clients up with programs that fit their individual circumstances. When it comes to anticipating needs, answering questions, and providing updates on loan status, we're known for our responsiveness. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

11/01/2026

How much money do you actually need to buy a home? 🤔

It’s one of the most common questions homebuyers have — and the answer isn’t simply “your down payment.”

Depending on your purchase, you may also need to plan for things like:

🏡 Down payment
📝 Closing costs
🔍 Home inspection
💰 Earnest money
🚚 Moving expenses

The good news is that some of these expenses may be offset by assistance programs, seller contributions, or other options, depending on your situation.

Instead of guessing at a savings goal, let’s chat. Together, we’ll put together a plan for what homebuying could actually look like for you.

10/31/2026

Every ghost deserves a house to haunt. 👻🏡 Happy Halloween!

10/30/2026

When it comes to home financing, there’s no one-size-fits-all solution.

Every homebuyer has different financial goals, circumstances, and needs. That’s why finding the right mortgage program is so important.

At Waterstone Mortgage, we offer a variety of specialty loan options designed to help you find a financing solution that fits your situation. 💡

Explore our specialty loan programs and discover what’s possible: https://bit.ly/4kq1hQD

10/22/2026

Think you need 20% down to buy a home? You may have more options than you realize.

Down payment assistance programs can help eligible homebuyers cover part of their down payment — and, in some cases, closing costs. Assistance may be available as a grant, forgivable loan, deferred-payment loan, or low-interest second mortgage.

Eligibility and program availability vary based on factors such as location, income, credit, and the property.

Want to know which options may be available to you? Start your search here: https://bit.ly/4xOecAk

10/19/2026

Want to buy now without feeling the full weight of today’s interest rates on your mortgage payment right away? A temporary buydown could help.

With a temporary buydown, your interest rate is reduced for the first 1–3 years — lowering your initial monthly payments and giving you time to ease into the full payment.

And if a seller-paid buydown isn’t an option, Waterstone Mortgage Smart Start offers a lender-paid alternative.

Ready to learn more? Start here: https://bit.ly/4xUIsJr

10/16/2026

Home is where life happens. 🏡💙 It’s where mornings begin, milestones are celebrated, and everyday moments become lasting memories.

If owning a home is part of your vision, getting pre-approved is a great place to start.

See what may be possible for you: https://bit.ly/45dRQMu

10/13/2026

Buying a home? 🏡 Protect your mortgage approval.

Until closing, keep your finances and employment steady. Avoid new credit, major purchases, large transfers, or unusual deposits — and check with your lender before making any significant financial move.

When in doubt, ask first.

Save this post for later, and share it with someone buying a home.

10/12/2026

A Sunday well spent! Monica and I had a great time volunteering at today’s clothing swap and helping provide lunch for everyone who participated. Good food, good company, and neighbors helping neighbors!

Proud to represent the Padilla Team at Waterstone Mortgage and grateful for opportunities to give back to the community we call home.

Thanks to everyone who volunteered and participated. So glad we could be part of it!

10/12/2026

Looking for a mortgage experience that prioritizes your time? At Waterstone Mortgage Corporation, we focus on quick and efficient closings.

Let’s talk. Get pre-approved today ➡️ https://bit.ly/4tCbtb2

10/10/2026

Don’t “fall” behind on decorating for the season — there’s still time to cozy up your home!

Check out these tips for decorating your home this autumn: https://bit.ly/4dWNVau

Address

6733 Academy Road Northeast
Albuquerque, NM
87109

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

https://www.waterstonemortgage.com/originators/marty-padilla

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