EJ Ward at Waterstone Mortgage NMLS #1001128

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EJ Ward at Waterstone Mortgage NMLS #1001128 Branch Manager at Waterstone Mortgage serving Newport, Ocean City, and beyond. Contact EJ today to discuss your home financing goals.

Specializing in first-time homebuyer loans, grant programs, jumbo loans, DSCR investor financing, second homes, and self-employed borrower solutions. With nearly 20 years of experience in the mortgage and financial industry, EJ Ward is dedicated to helping homebuyers, homeowners, and real estate investors achieve their goals through personalized financing solutions and exceptional service. As Branch Manager of Waterstone Mortgage’s Newport and Ocean City offices, EJ works with clients and referral partners nationwide, specializing in first-time homebuyer programs, grant opportunities, second homes, jumbo loans, DSCR investor financing, and bank statement programs for self-employed borrowers. Known for his creative problem-solving, clear communication, and ability to navigate complex transactions, EJ is passionate about helping clients build long-term wealth through real estate. Whether you’re purchasing your first home, financing an investment property, or exploring specialized loan options, EJ is committed to providing guidance and support every step of the way.

Love your neighborhood—but need your home to work better for the way you live today?You may not have to move to make tha...
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.

5.0 star review received on Experience.com for EJ Ward by Tyler H - EJ and his team made every effort to get us the bes...
10/05/2026

5.0 star review received on Experience.com for EJ Ward by Tyler H - EJ and his team made every effort to get us the best possible approval, he was always happy to answer questions and was very attentive through the process. It was without a doubt a superlative experience and when I go to refinance I know my guy-- and I'll absolutely refer anybody who is in the market moving forward!

Read more: https://experience.com/reviews/edward-ward-404041/bcac6c08-3c09-469d-bc5f-2e387c74eeaf?V=1791220827&utm_source=facebook&utm_medium=autopost&utm_content=13718526

“Should I buy now, or wait?” Instead of trying to predict the perfect market, ask yourself:💬 Is the total monthly paymen...
10/02/2026

“Should I buy now, or wait?” Instead of trying to predict the perfect market, ask yourself:

💬 Is the total monthly payment comfortable?
💬 Will I have savings left after closing?
💬 Is my income stable?
💬 Do I plan to stay for several years?

If the numbers work and you feel prepared, it may be worth exploring your options now.

If they don’t, waiting can be a smart strategy. Use the time to improve your credit, reduce debt, or build savings.

⏩ Let’s go over these questions together and determine your path forward. Send a message to chat anytime.

5.0 star review received on Experience.com for EJ Ward by Karen L - EJ makes financing a real estate property easy, effi...
09/28/2026

5.0 star review received on Experience.com for EJ Ward by Karen L - EJ makes financing a real estate property easy, efficient, and professional with amazing communication skills.
He is a wizard with financing coming from an accounting background and respects, budgets for affordability.

Lastly, with his good-natured personality, he makes financing enjoyable for a smooth and successful transaction.

Read more: https://experience.com/reviews/edward-ward-404041/37b0f180-b9a8-4309-b5e2-b43528c2cf0a?V=1790612068&utm_source=facebook&utm_medium=autopost&utm_content=13681297

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a ...
09/28/2026

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a mortgage program that’s tailored to your unique needs.

That’s where Waterstone Mortgage comes in. 💡🏡

Take a look at our specialty loan offerings to get a glimpse into the kind of solutions we proudly provide: https://bit.ly/4it4RZx

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage opt...
09/28/2026

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage option for you.

Waterstone Mortgage’s Statement Select uses your bank statements to help you qualify — no W-2 or tax returns required.

Start by exploring your options here, or send a message any time to chat. https://bit.ly/3S9uOmg

Looking for ways to make homeownership more affordable? A temporary buydown could help.A temporary buydown may be a smar...
09/24/2026

Looking for ways to make homeownership more affordable? A temporary buydown could help.

A temporary buydown may be a smart way to lower your monthly mortgage payment during the first 1-3 years of your loan. It can help you save money upfront and make the transition into homeownership a little more manageable.

Learn more here: https://bit.ly/4gSrOUx

One of the most common mortgage myths: You need 20% down to buy a house. This is FALSE! Many programs require as little ...
09/22/2026

One of the most common mortgage myths: You need 20% down to buy a house.

This is FALSE! Many programs require as little as 3-5% down. Waterstone Mortgage even offers several programs with NO down payment requirement.

On top of that, you may qualify for assistance to help cover your down payment and/or closing costs, decreasing your out-of-pocket costs even further.

Homeownership can be closer than you think. 💭🏠 Send a DM to chat about your options.

Address

23 Powell Avenue, Suite A
Newport, RI
02840

Opening Hours

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

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