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Seth Stern - Waterstone Mortgage NMLS #450329

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United States
Saint Petersburg, FL
Seth Stern - Waterstone Mortgage NMLS #450329

Seth Stern is a loan originator at Waterstone Mortgage in Saint Petersberg, Florida. Washington Consumer Loan Branch Office Licensee -1205914.

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. Branch License -161970.

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.

10/30/2026

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

10/29/2026

The best part of this job is celebrating moments like these.

Congratulations to our homebuyers on their new home, and thank you to Kai for being a great partner throughout the journey. Wishing our clients many happy memories ahead.

If homeownership is one of your goals this year, getting pre-approved is a great first step. Learn more here: https://bit.ly/45L3XRa

Waterstone Mortgage Corporation - St. Pete

10/13/2026

Did you know that 1st time homebuyers in the Tampa Bay Market can be eligible for up to $100,000 in down payment assistance?

10/12/2026

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

10/12/2026

Congratulations to our homebuyers on reaching this exciting milestone, and thank you to Christopher for helping guide them home.

Wondering what your next step toward homeownership looks like? Start with a pre-approval and explore your options: https://bit.ly/45L3XRa

10/06/2026

FHA financing on a condominium, yes that is available and don't forget to add a splash of down payment assistance. Homebuying made affordable, just ask me how.

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.

10/02/2026

A new address. A fresh start. A lot to celebrate. 🎉

It was a pleasure working alongside Luke Boswell to help bring this milestone to life.

Thinking about buying a home? Your path to homeownership can start with a simple conversation. Learn more about getting pre-approved: https://bit.ly/45L3XRa

Waterstone Mortgage Corporation - St. Pete
Brophy Real Estate
Luke Boswell , Realtor

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.

Address

6798 Crosswinds Drive North Suite C-104
Saint Petersburg, FL
33710

Opening Hours

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

Website

https://www.waterstonemortgage.com/originators/seth-stern

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