The Neal Tipton Team - Waterstone Mortgage - NMLS #188890

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

09/24/2026

Why So Many Sellers Are Cutting Their Price Right Now

Price cuts are turning up everywhere right now, and they read very differently depending on which side of the deal you’re on.

09/23/2026

Why Your Asking Price Matters More Now Than Ever

Most sellers come into the market with one number in mind. And it’s often the one that costs them the most. That's their asking price.

09/23/2026

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?

Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell.

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.

09/21/2026

3 Things You Can Actually Control About Your Mortgage Rate Right Now

If you're trying to buy a home, affordability is probably what keeps you up at night.

09/19/2026

Thinking about buying a home? Getting pre-approved can help you understand your budget before you start shopping.

Here's what you'll likely want to have ready:
📄 Recent pay stubs
💰 Bank account statements
📑 W-2s and/or tax returns (if applicable)
🏦 Information about your assets and debts
🪪 Government-issued photo ID

Every homebuyer’s situation is unique, so additional documentation may be needed.

Save this post for when you’re ready to start your house hunt, or share it with someone who’s starting theirs!

09/17/2026

The Market Changed. Your Reason for Moving Didn’t.

You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier.

09/17/2026

The Long-Term Cost of Renting vs. Buying

You’ve probably asked yourself lately: Is it even worth trying to buy a home right now? It’s a question a lot of people are asking.

09/17/2026

There’s a Better Way To Price Your House

There’s one decision you're going to make when you sell that determines whether your house sells quickly, or it sits.