Beth Mangum - Waterstone Mortgage, NMLS# 1816772

06/16/2026

Could refinancing put more money back in your pocket?

If you bought a home between 2023 and 2025, it may be worth taking another look at your mortgage. New research from LendingTree shows nearly one-third of homeowners who purchased during those years may be able to lower their rate or monthly payment in today’s market.

Even a small rate reduction could mean meaningful monthly savings — helping free up room for home improvements, savings, debt payoff, or everyday expenses.

Every situation is different, so it’s important to review your full financial picture.

If you’d like to explore whether refinancing makes sense, let’s crunch the numbers together. Send a message, and we’ll explore which option makes the most sense for you.

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

06/06/2026

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.

06/06/2026

5.0 star review received on Experience.com for Beth Mangum by Jayne A C - Beth is absolutely phenomenal at keeping everything running smoothly.

Her communication is exceptional, her personality is fantastic, and her level of expertise is truly top-notch.

There was never a moment when I had a question (and I had many) that she did not answer. If she didn't have the answer immediately, she would find it and get back to me promptly. She made the entire process easy to understand from beginning to end. Every time I reached out with a question or concern, she responded quickly and thoroughly.

At no point was I left worrying or wondering about what was happening, when something was going to occur, or what I needed to do next. Beth was there every step of the way, providing guidance, updates, and support throughout the entire process.

She is, without a doubt, the best agent I have ever worked with, and I have completed a lot of mortgage transactions over the past 20 years. This was far from my first experience, so I have plenty of comparisons to make.

If you're looking for someone who is knowledgeable, responsive, professional, and genuinely invested in her clients, you want Beth on your team from day one.

Click to see all 46 reviews of Beth Mangum, 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

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.

05/29/2026

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

05/28/2026

5.0 star review received on Experience.com for Beth Mangum by Emmanuel E - Everything was great esp the communication

Click to see all 57 reviews of Beth Mangum, Loan Originator

05/27/2026

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/493jvlx