Emily Johnson - Waterstone Mortgage

Emily Johnson - Waterstone Mortgage 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 fina

ncing 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
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May was one for the books. 🤍Over $4.5 million closed, my biggest month to date, and I'm nearly 50% of the way to my 2026...
06/05/2026

May was one for the books. 🤍

Over $4.5 million closed, my biggest month to date, and I'm nearly 50% of the way to my 2026 goal.

While I'm proud of the numbers, what means the most is the trust behind them. Every closing represents a family, a goal achieved, a challenge overcome, and a team working together to make it happen!

To my clients, referral partners, friends, and family - thank you for your continued support and referrals. I truly don't take it for granted 🫶

If you're thinking about buying, refinancing, leveraging your home's equity with a HELOC, or simply want to understand your options, I'd love to help!

06/03/2026

Your dad is gifting you $200,000 for your down payment? Amazing.
Now here’s how NOT to mess it up:

Tell your lender BEFORE moving money.
The transfer matters more than people realize.

You’ll need a signed gift letter stating:
• amount
• relationship
• property address
• that repayment is NOT expected

Paper trail is everything.
Underwriting will likely need:
• donor bank statement
• proof funds left their account
• proof funds were received

Cash and random Venmo transfers can create major issues.

Move funds exactly how your lender instructs. Sometimes wiring directly to the title company is cleaner.

Some loan programs still require buyer contribution and reserves, even with a large gift.

The biggest closing delays usually come from:
• unexplained deposits
• moving money too early
• “temporary loans”
• waiting until the last minute

Gift funds are completely normal in home buying. They just need to be documented correctly.

Big money moves come with paperwork.

One thing I never want my clients to feel is like they have to “settle.”Buying a home is one of the biggest decisions yo...
05/28/2026

One thing I never want my clients to feel is like they have to “settle.”

Buying a home is one of the biggest decisions you’ll ever make, and I believe you deserve guidance, communication, and support every step of the way. Not just a quick approval and a signature at closing.

This review reminded me why I put so much effort into educating clients, creating helpful resources, and staying hands-on throughout the process. Because when clients feel informed and empowered, they can make decisions confidently and sometimes that means getting the home they truly wanted all along!!

So grateful for clients who trust me through such an important chapter.

I’ve been seeing those “how much do I make?” trends everywhere lately… and while they’re entertaining, they leave out a ...
05/26/2026

I’ve been seeing those “how much do I make?” trends everywhere lately… and while they’re entertaining, they leave out a pretty important part of the conversation.

Most people don’t actually know how loan officers (or agents) get paid and honestly, I can’t blame them. It’s not something that’s usually explained clearly.

So here’s what I want people to understand:
My role isn’t to pressure you into a loan or steer you toward something that doesn’t feel right. My job is to educate you, walk you through your options, and help you make the best decision for your situation and your goals. Because buying a home can feel overwhelming enough without feeling confused by the financing side of it.

If you’ve ever felt unsure during the process, that doesn’t mean you’re behind, it usually just means no one has taken the time to explain things in a way that actually makes sense. And in my opinion, that guidance and transparency matter more than anything.

It’s a great week to be a first-time buyer! 🙌🏡Huge congratulations to my THREE first time homebuyers who closed on their...
05/21/2026

It’s a great week to be a first-time buyer! 🙌🏡

Huge congratulations to my THREE first time homebuyers who closed on their homes in SOMD this week. From searching to signing, every step was worth it. Cheers to new homes and new memories!

05/19/2026

Vulnerable post but this deal almost broke me…and then I changed my mindset.

This one required strategy, creativity, patience, and a whole lot of teamwork behind the scenes. It pushed me to think outside the box, restructure plans when needed, communicate constantly, and keep finding solutions even when things felt difficult.

And honestly, it also reminded me just how important having the right people around you really is. The teamwork, collaboration, and support that goes into getting clients to the closing table is something most people never fully see.

Every transaction won’t be perfect. But there is still so much value in the lessons, growth, relationships, and resilience that come from them.

One of the biggest misconceptions in home buying? That the down payment covers the costs of buying a home.Closing costs ...
05/15/2026

One of the biggest misconceptions in home buying? That the down payment covers the costs of buying a home.

Closing costs are a huge part of the conversation too but they don’t have to feel confusing or overwhelming when you actually have someone walking you through the numbers.

From title fees and prepaid taxes to appraisal costs and insurance, swipe through for a simple breakdown of what closing costs actually include. Plus ways we may be able to reduce upfront expenses depending on your loan strategy.

The goal is never just getting you approved. It’s making sure you feel confident and prepared every step of the way.

05/13/2026

Some texts just hit differently 🤍

The late-night “we got the house,” the referrals from past clients, the kind words after closing… Those are the messages that never get deleted around here.

Behind every screenshot is a family, a story, and a reminder of why I love what I do. Grateful for every client and every referral partner who trusts me to be part of such a big moment.

These buyers came to me for a second opinion after feeling overwhelmed and confused & one of the biggest things they sai...
05/11/2026

These buyers came to me for a second opinion after feeling overwhelmed and confused & one of the biggest things they said was how much they appreciated finally having someone take the time to truly explain everything.

Buying a home is a huge decision and clear communication, education, and having options can completely change the experience. My goal is never just to get clients to closing, but to make sure they feel confident every step of the way.

This transaction also had a lot of moving pieces, and in a multiple offer situation, relationships matter. The listing agent was already familiar with how the buyer’s agent, title officer, and I work together, and that level of trust and communication can make all the difference in a competitive situation. Grateful for the teamwork that helped get these buyers home. 🤍

Special thanks to , & @ with Eagle Title for a successful closing. Help me welcome home my clients to Huntingtown!

POV: you ask a loan officer what their job is like and it’s somehow equal parts emotional support, math, coffee runs, pr...
05/08/2026

POV: you ask a loan officer what their job is like and it’s somehow equal parts emotional support, math, coffee runs, problem solving, and celebrating people during some of the biggest moments of their lives.

There are definitely stressful moments behind the scenes, but getting to help clients navigate the home buying process and work alongside incredible people in this industry, making it all worth it every single time.

Address

2587 Crain Highway
Waldorf, MD
20601

Telephone

+13013275818

Website

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