The Neal Tipton Team - Waterstone Mortgage - NMLS #188890

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

Should You Pay for Your Buyer’s Closing Costs? What Sellers Need To Know.

A few years ago, sellers could get away with saying "no" to just about everything.

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

06/11/2026

Two Big Reasons To Move This Summer

A lot of people who want to move are telling themselves the same thing: "Maybe I'll just wait until later this year once things calm down."

06/10/2026

Lower Asking Prices Are a Win for Today’s Buyers

If affordability has been the biggest thing standing between you and a home, there's a little good news.

06/08/2026

Could Moving a Bit Further Out Change Everything About Your Budget?

Whether you're dreaming about buying your first home or wondering if it’s time to move on from the one you're in, affordability is probably weighing on your mind.

06/07/2026

5.0 star review received on Experience.com for Neal Tipton by Samuel A G - Fast, accurate and safest feeling loan application I've had. Neal also took the time to work with us by teaching us about some lesser know intricacies regardin VA loans.

Click to see all 428 reviews of Neal Tipton, Branch Manager | NMLS #188890

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.

06/05/2026

5.0 star review received on Experience.com for Neal Tipton by Jonathan A P - There was always great communication from them. Giving helpful tips and suggestions along the way.

Click to see all 426 reviews of Neal Tipton, Branch Manager | NMLS #188890