Frequently asked questions

Here you’ll find answer to the most common question our users.
What are the basic requirements to qualify for a mortgage in Fox Valley?

To qualify for a mortgage, lenders typically look at factors such as your credit score, income, employment history, debt-to-income ratio (DTI), and down payment. The exact requirements vary depending on the loan type and lender

What is the minimum credit score you typically work with?

580

Do you offer down payment assistance for Wisconsin buyers?

Yes

How quickly can you close a loan in this market?

30 days

How much down payment do I need for a home loan in Fox Valley?

Zero percent

 

How does my credit score affect my mortgage approval in Fox Valley?

Your credit score impacts your loan eligibility, interest rate, and terms. Higher credit scores generally qualify for lower interest rates, while lower scores may require higher down payments or result in higher interest rates.

 

Waterstone Mortgage Corporation – Appleton Branch 119 North McCarthy Road, Suite F, Appleton, WI 54913

Proudly serving homebuyers in Appleton, Green Bay, the Fox Valley, and throughout Wisconsin (Outagamie & Brown Counties).

Core Local Programs: VA Home Loans | WHEDA & First-Time Buyer Grants | FHA | Conventional | USDA financing.Licensing & Compliance: All loan requests are subject to credit approval as well as specific program requirements and guidelines. For some programs, income and property restrictions may apply. Information is subject to change without notice.
Corporate NMLS ID #186434
NMLS Consumer Access
Waterstone Mortgage Corporation (NMLS #186434) is a wholly owned subsidiary of WaterStone Bank SSB (NASDQ: WSBF). © 2026 Waterstone Mortgage Corporation. All rights reserved.© 2026 Waterstone Mortgage Corporation. All Rights Reserved. | Privacy Policy