Shelbey Rivera, NMLS 1556369- Waterstone Mortgage

06/17/2026

Imagine having a little more room in your budget during your first year as a homeowner.

With Smart Start Buydown, eligible buyers benefit from reduced mortgage payments during year one, helping make the transition into homeownership a little easier. Best of all, Waterstone Mortgage covers the cost of the temporary rate buydown.

Let’s make your move together. Send a message to go over your options!

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.

06/15/2026

Inside Lending – Welcome to your weekly peek behind the mortgage curtain. Here's your Inside Lending tip of the week:

Real advice. No fluff. Just the facts to help you own with confidence.

?? Questions? DM me or drop them in the comments—I might feature it next week.

A weekly email detailing the weeks mortgage, real estate and business news.

06/12/2026

5.0 star review received on Experience.com for Shelbey Rivera by Brylee B - Communication was great and they kept us updated throught the process of our loan.

Click to see all 105 reviews of Shelbey Rivera - Waterstone Mortgage, Loan Officer | NMLS # 1556369

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

5.0 star review received on Experience.com for Shelbey Rivera by Alex P - Shelbey was great and helped us understand all the technical details. We would 100% recommend d her to all our family and friends. Thank you!

Click to see all 103 reviews of Shelbey Rivera - Waterstone Mortgage, Loan Officer | NMLS # 1556369

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.

06/04/2026

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