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(414) 810-4569 Joshua Bucio, NMLS #286333

Learn about each home loan program, in order to help you understand which is best for your situation.


Refinancing may lower your payment or help you pay off your home loan faster.

First Time Home Buyer
First Time Home Buyer

A first time home buyer in Wisconsin has few programs available. Learn which one best fits your situation.


It’s important you get pre-qualified, before you start looking at homes. This is the fastest way to start the process.

Client Testimonials

As a new homeowner, all I can say is WOW! Joshua and his team were A++++ in my book

Rating: 5

Waterstone Mortgage

Our goal as a team, is to make sure you have the best mortgage experience when buying a home. Moving and buying a new home can be one of the most stressful times in our lives. We learned that having a team approach, allows us to service our clients at the highest level.

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Waterstone Mortgage Loan Programs

Rural Housing Home Loan Program

The Rural Housing Program is considered one of those hidden treasures in the mortgage world. It is one of the only true 100% financing home loans available in this real estate market for home buyers.

FHA Home Loan

The FHA home loan is by far one of the most popular programs for first time home buyers. The FHA program does require a minimum down payment of 3.5% of the home purchase price.

VA Home Loan

Veterans Administration (VA) home loans in Wisconsin are becoming very popular. Mainly, because of the lack of no down payment home loan’s available.

Conventional Home Loan

The conventional home loan program is popular among first time home buyers in Wisconsin, because it doesn’t require a large down payment and it’s a traditional home loan.

WHEDA Home Loan

The WHEDA home loan program is becoming popular among first time home buyers in Wisconsin, because it has the smallest down payment required among all home loans, besides no down payment programs.

Doctors, Dentist and Medical Residents Loans

The medical field is an important and appreciated line of work. Doctors and dentist have a couple of benefits. These are specific doctors, dentists and medical residents. If you are not entirely sure, ask us and we will make sure you know if you qualify.

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