Emily Johnson - Waterstone Mortgage

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Emily Johnson - Waterstone Mortgage

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NMLS ID: #2272464 Equal Housing Lender. All loan requests are subject to credit approval and program guidelines.
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Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. The views expressed in the videos on this site are my own and do not reflect those of my employer or its clients. No information published on this page should be construed as an offer to enter into an agreement. The inclusion of any charitable organization on any Waterstone Mortgage advertisement does not constitute an endorsement by Waterstone Mortgage, nor does it indicate that Waterstone Mortgage is in any way affiliated with such charitable organization. Moreover, the inclusion of any charitable organization on any advertisement does not indicate in any manner that Waterstone Mortgage supports or sanctions the actions of such charitable organization and Waterstone Mortgage shall have no liability related to the actions of any such charitable organization. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses
General Disclaimer: https://www.waterstonemortgage.com/policies/terms-conditions

10/27/2026

All jokes aside, I love what I do (most days 😉), and I wouldn't trade the chaos for anything!

Fellow title partners, agents and loan officers, I KNOW I'm missing some good ones. What's something that haunts you in real estate?!

10/20/2026

A lower mortgage payment for the first THREE years? 👀
Sounds great, right? But is it actually your best option?

A 3-2-1 temporary buydown gives you lower payments upfront, gradually increasing until you reach your full payment in year four. And the best part? The seller, builder or the lender may be able to cover the cost!

But here's the thing… a temporary buydown isn't always the best deal. Sometimes a permanent rate buydown or a price reduction could save you more in the long run!

Same house. Different financing strategies. Different outcomes.

Let's compare the numbers and find the option that makes the most sense for your budget, both now AND down the road! Comment 'buydown' to see how we make the numbers work for you!

10/15/2026

Do you have clients you already know you’re going to miss talking to? 🥹 These two are definitely that for me!

I pre-approved them about a year and a half ago, and since then, we’ve put in 3 offers, run COUNTLESS numbers, and had more conversations than I can even count. Through it all, the goal was always the same: find the right home that fit their lifestyle and their budget.

When I say we talked frequently, that’s an understatement! But that’s exactly how it should be. Buying a home is a big deal, and you deserve a loan officer who takes the time to run the numbers, answer your questions, talk through your options, and make sure you feel confident every step of the way.

So, if you’re buying a home and barely hear from your loan officer… it might be time for a new one.

And to these two, I’m so happy we found the one for you! ❤️

10/12/2026

People tell me all the time how great I am at social media, but what you DON’T see is the 27 deleted videos, the eye rolls, the awkward pauses, and the moments where I completely forget how to speak.

So here’s a little laugh for your Monday! And a reminder that no one is perfect and social media is actually fake 🤣

Now excuse me while I go delete all of these takes!

10/08/2026

Feeling extra grateful today. 🥹 I’ve been lucky enough to work with some truly amazing clients and referral partners, and honestly, they’re a big part of what makes this job so rewarding.

Thank you for trusting me, sending people my way, and taking the time to share such kind words. It means more than you know. 🤍

10/05/2026

Agents, here’s one for your toolbox. 👇

Waterstone just introduced a lender-paid 1-0 buydown that can give your buyers a little breathing room during their first year of homeownership.

And because we’re paying for the temporary buydown, your seller’s concession can potentially be used toward closing costs and/or an additional permanent point buydown instead.

That gives you another strategy to help:
- Buyers who are payment-sensitive
- Sellers who need to make their home more competitive
- Deals where you need to get creative without simply dropping the price

Available on eligible Conventional, FHA, VA & USDA fixed-rate products. Not available with down payment assistance programs, ARMs or broker products. Restrictions apply.

Have a buyer or listing where this could make a difference? Send it my way and let’s run the numbers.

09/29/2026

PCS season is already a LOT. Doing it from overseas? Even more so.

These clients had a cross-country (and then some!) move, a new state to navigate, and a home to find.

Thankfully, they had an incredible real estate team in their corner. Everyone involved went above and beyond to make this process feel as stress-free and seamless as possible, even from thousands of miles away.

And now… they're HOME in Maryland! 🎉

Welcome to Maryland, and thank you for trusting us to help get you here! ❤️

09/22/2026

Before you ask AI… ask me. 😉

I’m not anti-AI. It’s a great tool for a lot of things. But when it comes to your mortgage, there’s a big difference between getting an answer and getting advice that actually applies to you.

AI can pull information. I can help you understand it.
AI can give you general guidelines. I can look at your specific situation.
AI can tell you what a program says. I can help you figure out whether it actually makes sense for you.
And AI doesn’t know Southern Maryland like a local lender who lives and works here does.

Your mortgage is too important to base your decisions on a generic answer from the internet.

Have a mortgage question? Come to me first. I’m happy to break it down. 🏡

09/18/2026

You asked, “What about my profession?” 👀

Good news: You don’t need a specific job title to qualify for homebuying assistance in Maryland.

The Maryland Mortgage Program offers down payment and closing cost assistance to eligible buyers across ALL professions. 🏡🔑
But they do have a speciality program for first responders and teachers.

Comment **“MARYLAND”** or send me a DM, and let’s see what options you may qualify for!

*Program availability and eligibility requirements apply.*

Address

2587 Crain Highway
Waldorf, MD
20601

Telephone

+13013275818

Website

http://www.BuildEquitywithEmily.com/

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