Michael Hall at Waterstone Mortgage NMLS #210073

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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.

Home is where life happens. 🏡💙 It’s where mornings begin, milestones are celebrated, and everyday moments become lasting...
10/16/2026

Home is where life happens. 🏡💙 It’s where mornings begin, milestones are celebrated, and everyday moments become lasting memories.

If owning a home is part of your vision, getting pre-approved is a great place to start.

See what may be possible for you: https://bit.ly/47oyPYY

Buying a home? 🏡 Protect your mortgage approval.Until closing, keep your finances and employment steady. Avoid new credi...
10/13/2026

Buying a home? 🏡 Protect your mortgage approval.

Until closing, keep your finances and employment steady. Avoid new credit, major purchases, large transfers, or unusual deposits — and check with your lender before making any significant financial move.

When in doubt, ask first.

Save this post for later, and share it with someone buying a home.

Don’t “fall” behind on decorating for the season — there’s still time to cozy up your home! Check out these tips for dec...
10/10/2026

Don’t “fall” behind on decorating for the season — there’s still time to cozy up your home!

Check out these tips for decorating your home this autumn: https://bit.ly/4dWNVau

Love your neighborhood—but need your home to work better for the way you live today?You may not have to move to make tha...
10/05/2026

Love your neighborhood—but need your home to work better for the way you live today?

You may not have to move to make that happen.

With Waterstone Mortgage’s Make It Your Own renovation loan program, eligible homeowners may be able to finance qualifying improvements through a refinance.

Whether you’re dreaming of a finished basement, a dedicated home office, or simply a more functional layout, the right financing could help you reimagine the home you already love.

Sometimes, the best move isn’t moving at all. 🏠🛠️

Let’s explore your options and see whether the Make It Your Own loan may be a good fit for your renovation goals.

“Should I buy now, or wait?” Instead of trying to predict the perfect market, ask yourself:💬 Is the total monthly paymen...
10/02/2026

“Should I buy now, or wait?” Instead of trying to predict the perfect market, ask yourself:

💬 Is the total monthly payment comfortable?
💬 Will I have savings left after closing?
💬 Is my income stable?
💬 Do I plan to stay for several years?

If the numbers work and you feel prepared, it may be worth exploring your options now.

If they don’t, waiting can be a smart strategy. Use the time to improve your credit, reduce debt, or build savings.

⏩ Let’s go over these questions together and determine your path forward. Send a message to chat anytime.

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a ...
09/28/2026

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a mortgage program that’s tailored to your unique needs.

That’s where Waterstone Mortgage comes in. 💡🏡

Take a look at our specialty loan offerings to get a glimpse into the kind of solutions we proudly provide: https://bit.ly/4it4RZx

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage opt...
09/28/2026

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage option for you.

Waterstone Mortgage’s Statement Select uses your bank statements to help you qualify — no W-2 or tax returns required.

Start by exploring your options here, or send a message any time to chat. https://bit.ly/3S9uOmg

Looking for ways to make homeownership more affordable? A temporary buydown could help.A temporary buydown may be a smar...
09/24/2026

Looking for ways to make homeownership more affordable? A temporary buydown could help.

A temporary buydown may be a smart way to lower your monthly mortgage payment during the first 1-3 years of your loan. It can help you save money upfront and make the transition into homeownership a little more manageable.

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

One of the most common mortgage myths: You need 20% down to buy a house. This is FALSE! Many programs require as little ...
09/22/2026

One of the most common mortgage myths: You need 20% down to buy a house.

This is FALSE! Many programs require as little as 3-5% down. Waterstone Mortgage even offers several programs with NO down payment requirement.

On top of that, you may qualify for assistance to help cover your down payment and/or closing costs, decreasing your out-of-pocket costs even further.

Homeownership can be closer than you think. 💭🏠 Send a DM to chat about your options.

Thinking about buying a home? Getting pre-approved can help you understand your budget before you start shopping.Here's ...
09/19/2026

Thinking about buying a home? Getting pre-approved can help you understand your budget before you start shopping.

Here's what you'll likely want to have ready:
📄 Recent pay stubs
💰 Bank account statements
📑 W-2s and/or tax returns (if applicable)
🏦 Information about your assets and debts
🪪 Government-issued photo ID

Every homebuyer’s situation is unique, so additional documentation may be needed.

Save this post for when you’re ready to start your house hunt, or share it with someone who’s starting theirs!

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

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