Michael Hall at Waterstone Mortgage NMLS #210073

Michael Hall at Waterstone Mortgage NMLS #210073 Michael Hall is a home loan mortgage originator at Waterstone Mortgage in Santa Fe, NM

With 16 years in the mortgage industry, Michael Hall has strong communication skills with clients, which helps them close on time every time. Whether it's finding a new home or helping improve their financial position through real estate, Michael wants to make the journey easier for homeowners. With the ability to originate nationally, he serves the local areas surrounding Salida, CO, specializing

in Conventional, FHA, VA, USDA, and Jumbo Loans. Michael advocates that time is precious, and one should make every day count, starting their journey now instead of waiting for the perfect time later. When he is not in the office, Michael spends most of his free time outdoors doing activities such as hiking, mountain biking, and motorcycle riding.

Summer may not be over just yet, but are you...☀️ Team Summeror🍂 Team Fall?Would you rather spend the afternoon by the p...
08/31/2026

Summer may not be over just yet, but are you...

☀️ Team Summer
or
🍂 Team Fall?

Would you rather spend the afternoon by the pool or curled up under a blanket with a warm drink?

Tell us which season feels more like home in the comments! 👇

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 ...
08/27/2026

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 years of the homebuyer’s loan.

What does this mean for homebuyers?

✅ Buying a house is expensive — you can use this financing option to ease into your mortgage.
✅ Temporary buydowns are especially great for those who don’t want to wait for interest rates to drop to buy a house but would like to take advantage of some savings upfront.
✅ Seller won’t go for it? Consider Smart Start, our LENDER-PAID buydown option.

Learn more: https://bit.ly/45hRPWS

Myth Monday: You need 20% down to buy a home.Many buyers qualify with far less than 20% down — and some loan programs ev...
08/24/2026

Myth Monday: You need 20% down to buy a home.

Many buyers qualify with far less than 20% down — and some loan programs even offer 0% down for those who are eligible.

The required down payment depends on the loan program and your individual situation. 🙌

Don't let this common misconception keep you from exploring your options. You may be closer to homeownership than you think.

Let’s make your move together. Send a message to get started!

Many homebuyers in today’s market are asking: “Is now a bad time to buy a house?” Instead of waiting for rates to drop, ...
08/21/2026

Many homebuyers in today’s market are asking: “Is now a bad time to buy a house?”

Instead of waiting for rates to drop, here's something to consider:

You can buy the home that's right for you now — and if rates improve down the road, refinancing may be an option.

Buying now could allow you to…
🏡 Start building equity sooner
📍 Stop waiting on the sidelines
🔑 Secure the home you want today

Every situation is unique, so it's important to understand your options before making a decision.

Let's talk through what makes the most sense for your goals.

Think student loan debt means homeownership has to wait? Think again.Student loans don't automatically prevent you from ...
08/19/2026

Think student loan debt means homeownership has to wait? Think again.

Student loans don't automatically prevent you from buying a home. Your overall financial picture — including income, credit, assets, and debt — is what matters.

If buying a home is one of your goals, don't assume your student loans have taken it off the table. You may have more options than you realize.

Learn more about how student loan debt can impact the mortgage process: https://bit.ly/4bGpGwe

Sometimes "home" is as simple as a blanket fort in the living room.Because home isn't just a place — it's where life hap...
08/16/2026

Sometimes "home" is as simple as a blanket fort in the living room.

Because home isn't just a place — it's where life happens. It's where traditions begin, milestones are celebrated, and everyday moments become lifelong memories.

If homeownership is part of your next chapter, the right guidance can help make it possible. Let's discuss your options.

Buying your first home can feel like a lot, but it gets a lot less overwhelming once you know what to focus on.From budg...
08/13/2026

Buying your first home can feel like a lot, but it gets a lot less overwhelming once you know what to focus on.

From budgeting and getting pre-approved to understanding your loan options, a little preparation can make a big difference.

Looking for practical advice before you start house hunting? These are tips every first-time homebuyer should know to help make the process a little easier.

Learn more here: https://bit.ly/4wEjttr

Did you know there are thousands of down payment assistance programs available across the country — and you might qualif...
08/10/2026

Did you know there are thousands of down payment assistance programs available across the country — and you might qualify for more than one?

That's where Down Payment Resource (DPR) comes in. It's a free tool that lets you search by location and see the grants, forgivable loans, and assistance programs available in your area — no guesswork required.

A lot of buyers put off homeownership because they think they need more time to save up for the down payment. The truth is, down payment help exists in almost every market, and it's NOT just for first-time buyers — many programs are open to repeat buyers, too.

Your down payment might be closer than you think. Explore your options here: https://bit.ly/4xNlJPK

Address

417 E. Palace Avenue
Santa Fe, NM
87501

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Website

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