Modern Homebuyers Guide – A Realtors Playbook for a Digital Presentation.

Dear Potential Homebuyer,

The world of real estate and home financing is ever-evolving, often presenting complexities that can be overwhelming. With the recent shift towards commission disclosure transparency, we recognize the importance of keeping you well-informed and equipped. This transition aims to enlighten homebuyers on the intricacies of home-buying finance structures, ensuring openness and knowledge at every step.

Our team has galvanized its collective expertise to aid you through these shifts. We are delighted to introduce FOUR strategic approaches, meticulously crafted to optimize your home buying journey, making it as straightforward, transparent, and advantageous as possible.


The future of home buying is digital. Beyond mere convenience, this transformation promises a custom-tailored, transparent experience. Shed the traditional constraints of prolonged wait times and cumbersome paperwork. Our innovative digital offers allow you to access instantaneous approval letters, bespoke video messages, and precise financial breakdowns. And, with authentic property visuals incorporated, every detail you require is readily accessible.

Example ➡️ Digital Offer Presentation


Discrepancies between appraisals and sale prices can be a cause for concern. Fear not; our appraisal gap strategy is meticulously designed to maintain consistent rates and payments, eliminating unforeseen financial hitches. We're resolute in keeping your home-buying trajectory predictable and stress-free.

Example ➡️ Appraisal Gap Details


We've got you covered in instances where specific buyers agents fees might be overlooked. Our Buyer Representative Agreement Fee Gap approach ensures transactional fluidity. We're adept at structuring your financing to encompass all costs, providing a hiccup-free journey.

Example ➡️ Commission Gap Strategy


Affordability remains at the heart of homeownership. Our commitment is to devise financing strategies that expand your horizons. Whether obtaining an attractive rate or leveraging a specialized loan product, our focus remains steadfast: to render home buying accessible and affordable.

Example ➡️ Affordability Solutions

As the real estate panorama evolves, it's crucial to have seasoned experts by your side. In partnership, we pledge to deliver unmatched guidance and value, ensuring your home-buying journey is seamless, transparent, and fulfilling.

At You're Service,

Walt Schulz


"I have worked with a good number of lenders personally and professionally over the years, and our experience with Walt and his team was by far the best experience I have had. For the refinance of our home mortgage, I had obtained quotes from other lender relationships, but no one could commit to closing any faster than 45 days. And, no one beat Waterstone Mortgage's fees and rates. Walt committed to closing within 30 days, and his team delivered: Walt spent the time needed to understand our needs and recommend loan options to meet those needs (and the options exceeded our expectations); Mayra pleasantly and efficiently walked us through the application process; and Ann worked closely with us to expeditiously move through underwriting to closing. All in roughly 3.5 weeks. They communicated with my wife and me effectively throughout the process so that there were no surprises. In addition to our genuine appreciation for the speed and results of their services through closing, we are also grateful that we can continue to turn to them as our primary contact over the life of the loan. We could not have asked for a better experience and would recommend Walt and his team at Waterstone without hesitation."

brian moore

"We used Walt and his team when we purchased our new home in Salem. We had a short close, but it was no problem for them. They were very responsive and were available when we called. We were very impressed with their professionalism and we appreciated Walt meeting with us for the Discovery Consultation. This was a great opportunity to ask questions and learn more about the process. We highly recommend Walt and his team!"


"Walt and his team are an actual delight to work with! At the beginning of my process I was disappointed with a lender, switched to Walt and holy smokes he exceeded my expectations right off the bat! He brought me to the office and laid out everything that was going to happen and multiple options to go about it. Everything was step by step, as a first time homebuyer your have many questions and he is well aware of that. He closed my house in 30 days and got me great rates! He responded in a timely manner to every question I had and I couldnt of been luckier to have such a informative, supportive and professional team to help me through this crazy process. I have to give a huge thank you to Walt and Lenda from the very bottom of my heart!"

katie braff