Marty Padilla at Waterstone Mortgage NMLS #253287

Marty Padilla at Waterstone Mortgage NMLS #253287 Marty Padilla is a Senior Loan Originator at Waterstone Mortgage in Albuquerque, New Mexico. Branch License -89755.

At Waterstone Mortgage, we're dedicated to providing the best mortgage lending experience possible. We know that home purchases are often the largest investments our clients will make in their lifetimes, and we do everything in our power to make each venture memorable and enjoyable. We offer a wide array of unique loan products and we're experts at matching clients up with programs that fit their

individual circumstances. When it comes to anticipating needs, answering questions, and providing updates on loan status, we're known for our responsiveness. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

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/4xOecAk

People don't buy a house because they want a mortgage — they buy it for moments like family dinners, movie nights, birth...
08/07/2026

People don't buy a house because they want a mortgage — they buy it for moments like family dinners, movie nights, birthday celebrations, and watching their kids (or pets!) make themselves at home.

A home is more than four walls. It's where life happens.

If you're thinking about buying a home this year, let’s discuss your mortgage options and create a plan that fits your goals.

Start by getting pre-approved today. https://bit.ly/45dRQMu

Do you have strong savings or investments, but your income doesn’t quite fit the traditional mortgage box? You may still...
08/04/2026

Do you have strong savings or investments, but your income doesn’t quite fit the traditional mortgage box? You may still have home loan options.

At Waterstone Mortgage, we offer a program called Asset Amplify that allows you to use your assets (like savings or investments) to help qualify for a home loan, without needing to move or manage them.

✔ Keep full control of your assets
✔ Use them to strengthen your application
✔ Up to 90% financing available
✔ Loan amounts up to $2M+

This can be a great fit for self-employed buyers, investors, or anyone with a unique but strong financial picture.

Learn more about Asset Amplify: https://bit.ly/4x0KLtA

Is your mortgage pre-approval REALLY helping you compete, or just checking a box? A Platinum Credit Approval from Waters...
08/01/2026

Is your mortgage pre-approval REALLY helping you compete, or just checking a box?

A Platinum Credit Approval from Waterstone Mortgage gives you an extra level of credibility by completing a more comprehensive credit review upfront, so when it's time to make an offer, sellers know you mean business.

Give sellers one more reason to choose your offer. Learn more about the Platinum Credit Approval process here: https://bit.ly/4yFnqPC

Love your neighborhood... but wish you could change your house?You're not alone.Maybe your kitchen no longer fits your f...
07/30/2026

Love your neighborhood... but wish you could change your house?

You're not alone.

Maybe your kitchen no longer fits your family's needs. Maybe you've been dreaming of a primary bathroom remodel, a finished basement, a home office, or simply more functional space.

Before you start thinking about moving, consider another option.

Waterstone Mortgage’s Make It Your Own renovation loan program may help eligible homeowners finance qualifying renovations through a refinance — so you can transform the home you already love into the home that works for you today.

Eligible projects may include:
✔️ Kitchen and bathroom remodels
✔️ Flooring and roofing updates
✔️ Eligible ADU additions
✔️ Energy-efficient improvements
✔️ Accessibility modifications
…and more.

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

If you've been putting off a renovation because you're not sure how to finance it, let's talk. We can explore your options together and see if the Make It Your Own loan is a good fit for your goals.

Address

6733 Academy Road Northeast
Albuquerque, NM
87109

Opening Hours

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

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