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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Ken Jarosz, Mortgage Loan Officer, NMLS# 483172

Home
United States
Fort Walton Beach, FL
Ken Jarosz, Mortgage Loan Officer, NMLS# 483172

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My journey in the mortgage industry began in October 2001, under the mentorship of a seasoned professional.

Through meticulous training, I honed my skills in processing, underwriting, closing, and post-closing tasks, learning from the best in the business

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/4xICzzv

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/45pD43W

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.

10/10/2026

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

10/07/2026

You've probably heard the Federal Reserve (the Fed) is raising rates again. And if you're planning to buy or sell a house, you may be wondering what that means for you.

10/05/2026

Love your neighborhood—but need your home to work better for the way you live today?

You may not have to move to make that happen.

With Waterstone Mortgage’s Make It Your Own renovation loan program, eligible homeowners may be able to finance qualifying improvements through a refinance.

Whether you’re dreaming of a finished basement, a dedicated home office, or simply a more functional layout, the right financing could help you reimagine the home you already love.

Sometimes, the best move isn’t moving at all. 🏠🛠️

Let’s explore your options and see whether the Make It Your Own loan may be a good fit for your renovation goals.

Address

123 Staff Drive NE
Fort Walton Beach, FL
32548

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+18505983035

Website

http://www.mortgageloansbyken.com/

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