Joe Long, Purchase Perfect (Waterstone Mortgage) Mortgage and Lending



Joe Long
Purchase Perfect
location_on Madison, WI — Waterstone Mortgage
Get to Know Joe Long

Waterstone Mortgage is one of the largest mortgage compaies in the state of Wisconsin.  All of our programs can be underwritten in house, and we fund our own loans.  Our effectiveness stems from our system of referrals, our mastery of Mortgage Programs and our industry leading compliance department.  Quite simply put, we hold ourselves to a higher standard!  Zero Down Homebuyers, Investment Properties, First Time Home Buyers, Cash Out Refinances, Low Rate Seekers and Industry Professionals thank you for reading.

You have questions and you deserve to feel comfortable with your purchase process.  I work by referral only, by providing solid advice and great prices but most importantly by respecting my clients opinions and needs.  Make your loan process enjoyable by allowing me to give you the respect and attention you deserve.


I am experienced in using many state and local down payment assistance programs to help my clients without down payments purchase homes.   I can do some purchases with no money down, and I have several programs requiring just a 3.5% down payment.  Waterstone Mortgage offers VA, FHA, USDA, and conventional mortgage products.  We are approved to sell directly to FNMA, meaning we have more flexibility on our conventional products than most banks.  In addition, I frequently refer business to local banks to access certain portfolio products. 

The bottom line is, not only do I have the programs, I also know how to use them.  I offer competitive pricing but more importantly the knowledge and attention to detail you deserve from your mortgage professional.  Online underwriting engines allow us to process and complete the loan transaction faster than ever before.  For Realtors, since I am very resourceful I may be able to get your buyers pre-approved when other Loan Originators have not been able to. 

Our State and Federal VA loan programs are a fantastic option for Wisconsin Veterans.  These loans feature no down payment and no PMI!  Waterstone will even help you access your certificate of eligibility and introduce you to a Realtor who knows how to work with the specific needs of Veterans.  Veterans make sure to take advantage of this incredible opportunity!

I am also a local For Sale By Owner marketing expert.  I assist FSBO's in marketing their homes and provide useful information to sellers and buyers to assist them during their sale and purchase.  When a seller successfully drives a borrower to us for financing we then provide them with below market financing, should they qualify.

Outside of the office I am active in several professional organizations.  I am member of the GMCC, the WMPA, the WSBA and NAMB.  I serve on committee's for the Realtors Association of South Central Wisconsin (currently as AH/EOC Chair), HYP of Dane County, and I am a regular volunteer for Habitat for Humanity and the Salvation Army.


Your "Purchase Perfect" Loan Officer serving Wisconsin. Quick closings and communicating with my clients are important to me. Everyone says they have the best rate, call me and get the best value!