Seth Stern - Waterstone Mortgage NMLS #450329

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 Seth Stern by Thomas H B - Extremely professional. Everything done on time. I couldn't have been happier with the all aspects.

Click to see all 186 reviews of Seth Stern, Mortgage Banker

06/04/2026

House hunting often starts with one big question: How much house can I ACTUALLY afford? 🏡

Before you start scrolling listings, take a closer look at the factors that shape your homebuying budget — from credit score and debt-to-income ratio to down payment options and monthly comfort level.

For a closer look at how a home’s list price translates to your monthly payment, start here: https://bit.ly/4vbRmjR

06/03/2026

Congratulations on your recent closing, Kelly Kepler! I’m grateful to work alongside you.

Engel & Völkers Belleair Waterstone Mortgage Corporation - St. Pete

06/02/2026

June is National Homeownership Month — a time to celebrate the dream of homeownership and the opportunities it creates for individuals and families. 🏡

Whether you're buying your first home, upgrading to fit your growing needs, or exploring your options for the future, having the right guidance can make all the difference.

If homeownership is one of your goals this year, let’s make your move together. We’ll work hand-in-hand to ensure you secure the right mortgage loan to meet your needs.

Even if you’re not ready to buy today, understanding your options early can help you prepare with confidence.

Send a message to chat.

05/29/2026

Real estate investors, this one’s for you!

If you’re looking to expand your portfolio — or jump into the real estate game — consider Waterstone Mortgage’s Cashflow Pro program.

We’ll use your debt service coverage ratio (DSCR) to qualify you — meaning you can get a loan based on the income your investment property generates.

You don’t have to be a seasoned investor to take advantage of this program; first-time investors are allowed, too!

Sound like a good fit? Learn more here, or reach out with any questions. https://bit.ly/4tMUnGx

05/27/2026

So, you decided you want to buy a house. Confused about where to begin?

Your journey starts with a pre-approval.

Getting pre-approved early helps you:
☑️ Understand your budget
☑️ Strengthen your offer
☑️ Move quickly when you find “the one”

Ready to make your move? Start here: https://bit.ly/45L3XRa

05/26/2026

5.0 star review received on Experience.com for Seth Stern by KELLY M K - Seth always provides great service, communication and handles any issues that arise with calm and confidence.

Click to see all 185 reviews of Seth Stern, Mortgage Banker

05/25/2026

This Memorial Day, we remember and honor those who made the ultimate sacrifice in service to our nation. 🇺🇸

We are grateful today and every day.

05/25/2026

What Most Veterans Don't Know About Their VA Home Loan Benefit

Nearly half of Veterans (49%) feel homeownership is currently out of reach, according to a recent survey from NewDay USA.