Community Experts

As an accountant, architect, Ph.D., financial analyst, or actuary, you’re an educated professional with unique expertise that enhances your community. When you’re ready to purchase a home, you deserve a financing option that fits your situation perfectly. That’s why Waterstone Mortgage offers a no-down-payment loan solution just for you.

Program Details:

  • Eligible experts: Accountants (CPAs), Chapter Financial Analysts (CFAs), Ph.D.s, architects, Certified Mortgage Bankers (CMBs), and actuaries
  • No down payment required
  • 5/1 or 7/1 adjustable rate mortgage
  • First-time homebuyer not required
  • No income limits
  • Primary residence purchase loan
  • 740 minimum FICO required
  • 1-unit properties only
  • Maximum debt-to-income is 41%
  • Maximum loan limit is $453,100*

Actuaries with the following designations are eligible:

  • Associate of the Casualty Actuarial Society (ACAS)
  • Fellow of the Casualty Actuarial Society (FCAS)
  • Associate of the Society of Actuaries (ASA)
  • Fellow of the Society of Actuaries (FSA)
  • Member of the American Academy of Actuaries (MAAA)
  • Member of the Society of Pension Actuaries (MSPA)
  • Fellow of the Society of Pension Actuaries (FSPA)

To compare home loans and find the perfect one for your needs, locate a Waterstone Mortgage loan originator near you!


Geographic restrictions apply. *Loan limits may be higher in some locations. Contact your loan originator to learn more. All loan requests are subject to credit approval as well as specific loan program requirements and guidelines. With Adjustable Rate Mortgage loans, the rate is variable and may increase or decrease every year after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment.