The Ryan Smith Mortgage Team at Waterstone Mortgage Corporation in Madison, WI

Waterstone Mortgage is an innovative, strong, and secure mortgage lending company that has a reputation for exceptional service and competitive financing. At Waterstone Mortgage we take the confusion and anxiety out of the mortgage process so you have a clear path to your dream of homeownership. We believe our job is to help you enjoy the homebuying experience – not to keep you waiting and wondering about the status of your loan.

  • Waterstone Mortgage has made it easier than ever to apply for a mortgage online!

    Click “Apply Now” to fill out our online application and start your mortgage process online today.

  • Which loan product is right for you?

    Click “Find out by visiting our loan product comparison page and contacting a Waterstone Mortgage loan professional for a free consultation.

  • Ready to achieve your homeownership dreams?

    We’re here to help with 4 ways to start your mortgage loan. We’ll walk you through every step of the way!

4 Ways To
Connect With
Our Team

“Ryan and his Waterstone team were extremely helpful in my first home purchase. He walked me through every little step and he and his coworkers were quick to answer any questions I had. Highly recommended!”

Tenney-Lapham, Madison, WI
Tenney-Lapham, Madison, WIClosed purchase Review

“Ryan and Waterstone made my refinance a very quick, easy and painless process. We refinanced into a 15 year mortgage and Ryan patiently walked us through all of the options from comparing our new payment vs. our current payment, monthly vs. semi-monthly payment options, etc. Waterstone also has very up to date technology, which made getting the necessary docs to Ryan and his staff very simple. All in all, it was a great experience working with Ryan and Waterstone, I highly recommending using Ryan for any of your mortgage needs.”

Erik LaSeure -  Rosedale, Denver, CO
Erik LaSeure - Rosedale, Denver, COClosed refinance Review

“Ryan is amazing in the with mortgages, an area so over-the-top complex to me. Our situation was likewise complex and he stuck with it like white on rice until it closed. Highly recommended!”

Brendan Connelly
Brendan ConnellyVice President, Wealth Review

“I have referred several clients to Ryan whom were very pleased with the service and follow up they received from him. Ryan has spent nearly the last 10 years in his industry and has gone through all the changes taking place in that industry. The sheer fact that not only has Ryan stayed in the industry but excelled speaks volumes about Ryan and his business.”

Jessica Schock
Jessica SchockWealth Management Advisor, Northwestern MutualLinked-In Review

“Everyone at Waterstone were amazing! They were very knowledgable, and helpful throughout the process of buying our home. We highly recommend them to everyone and anyone!”

Valorie Nyenhuis
Valorie NyenhuisGoogle+ Review

“Ryan and his team were excellent to work with. Super willing to help and quick to respond. Would suggest them to a friend!”

Rick Walsh
Rick WalshGoogle+ Review

“My experience at Waterstone Mortgage was above and beyond what I could have ever expected! The moment I walked in the door, the staff provided outstanding service. I would highly recommend Ryan Smith at Waterstone Mortgage to anyone looking for extraordinary service and that feeling of comfort knowing you are being taken care of the right way.”

Kristie Finfrock
Kristie FinfrockGoogle+ Review

“Ryan and his Entire team were nothing short of amazing. They helped us through the process of purchasing our new home and everything went perfect. They were always there to answer are questions, and made sure everything was ready to go come closing. I would recommend them to anybody.”

Zach Harrison
Zach HarrisonGoogle+ Review

“We had what I thought was a complicated situation and Ryan Smith and Rebecca Heller were incredibly supportive and responsive as well as genuine in their hope for us to find the perfect home for our family. I would highly recommend Waterstone and this team in particular!’

Nichole Y. Todd
Nichole Y. ToddGoogle+ Review

“Very Client oriented. We were difficult customers and Ryan stepped up and did a great job for us.”

Eric Tripke
Eric TripkeSergeant Of Police at City of MadisonLinked-In Review

“I recently referred one of my best clients to Ryan for his help on her Mortgage. Ryan not only exceeded my clients expectations but provided a real education into the mortgage loan process. Ryan also provides a valuable insight to his thinking & methodology by blogging about current market conditions relating to mortgage interest rates and market news. I find Ryan to be friendly, articulate and a great person to work with & would recommend him to anyone looking for financing on a new purchace or refinancing an existing loan.”

Kristian Finfrock
Kristian FinfrockRadio Show Host at Madison Money GuyLinked-In Review

“Ray & I could not have asked for a better first time home buying experience! Ryan Smith & Rebecca Heller were amazing! They were very knowledgeable, helpful & outstanding communicators! I was recommended by my sister and she couldn’t of been more right about how wonderful our experience was going to be! Waterstone Mortgage is highly recommended to all my friends, coworkers and family! Thank you!”

Jade Statz
Jade StatzGoogle+ Review

“We service that we received at Waterstone was amazing. Ryan and Rebecca were always available to answer all of our questions in a timely manner. No question was a dumb question. They offer honest, unbiased advice. We will definitely recommend Waterstone to our friends in the future!”

Blaire Adkins
Blaire AdkinsGoogle+ Review

“Ryan’s team at Waterstone provided great service and answered all of our questions in a timely manner. Definitely made what seemed like an overwhelming process for us first time homebuyers understandable and manageable. Would definitely recommend.”

Matt Raymond
Matt RaymondGoogle+ Review

“We couldn’t have asked for anything more from Joseph Long, Jed Hohlbein and Waterstone Mortgage. It was important to us that we worked with someone who knew the ins and outs of the mortgage business and would be able to answer any questions and address any concern we had throughout the process. Joe did just that. We look forward to working with Joe and his team again in the future.”

Randy Freitag
Randy FreitagGoogle+ Review

“We had a very positive experience with Ryan Smith and Rebecca Heller at Waterstone Mortgage. They were very professional, on top of things, and approachable at all times when we had questions. I highly recommend them.”

Catrin Weimbs
Catrin WeimbsGoogle+ Review

“Ryan Smith and Rebecca Heller were beyond awesome and went above and beyond for my wife and I in our first home purchase. They both helped with our stress and took a lot of the work out of our home buying experience. Highly recommend.”

Robbie Rowe
Robbie RoweGoogle + Review

“Waterstone Mortgage was excellent for us getting our first mortgage. Ryan Smith and his staff, went above and beyond what was expected. From our consultation to our closing, they made us feel confident and comfortable in the process of securing our home loan. We are very pleased we chose Waterstone Mortgage.”

Gus Small
Gus SmallGoogle+ Review

“Could not be happier with Waterstone. Throughout the process, their team always stayed a step ahead and made meeting our deadlines easy and trouble free. Not only were they professional, the staff was friendly and accommodating. I will recommend Waterstone to all my friends and family.”

Reed Cox
Reed CoxGoogle+ Review

” My experience at Waterstone in Madison was very positive. From the moment I walked in to the closing on our new home Ryan Smith provided excellent service. I would highly recommend Waterstone to anyone who wants personalized attention and a focused mortgage banker that puts the customer first!”

Matt Flaten
Matt FlatenGoogle+ Review

“Great service and knowledge. As an Real Estate agent it is important to have knowledgeable bankers handling my transactions. Waterstone has been a great resource to my business.”

A Google User
A Google User

Ryan did an outstanding job in helping us obtain financing for our home. We closed on time. The wire (money) was at the title company before we even began signing our paperwork. I would recommend Ryan to anyone that is in need of a loan for a home or if they need to refinance. Great job Ryan and thank you!”

Zillow User - Conservatory, Aurora, CO
Zillow User - Conservatory, Aurora, COClosed purchase loan. Review

I have worked with many lenders over my 10 year career and find Ryan Smith to be my obvious choice to refer my clients. He knows the business better than anyone I’ve found and explains options to his clients in a way they understand. Between Ryan and his top notch staff they coordinate the process to insure all deadlines are met and the process goes smooth from start to finish. A++++ rating from me.”

Trent Estabrook - Maple-Prairie, Fitchburg, WI
Trent Estabrook - Maple-Prairie, Fitchburg, WICo-Owner at Pinnacle Real Estate Group, Review

“Ryan handles his business with a high degree of integrity. He works hard for his clients and gives them top quality service. Ryan is a true professional in his field.”

Mark Brandenburg
Mark BrandenburgBusiness Development Executive at Bartlett Consulting, Inc.Linked-In Review

“Ryan is a true professional in the area of Mortgage Lending. Very knowledgeable regarding all aspects of the industry and is someone that always has his customers best interests in mind.”

Cory Poole
Cory PooleMortgage Loan Officer at UW Credit UnionLinked-In Profile


A Strong National Mortgage Lender

At Waterstone Mortgage, we are a team that works together to deliver the best mortgage experience – from the very beginning of the process to after the closing. We treat our clients, affiliates, referral sources, and each other with the utmost respect. Because of our values, ethics, and integrity, we are unparalleled in our industry. We stand out in our community because of our complete focus on quality and exceptional customer care.

Our Mission

No one brings clarity and accountability to the residential lending industry like Waterstone Mortgage.

Our Vision

We take the confusion and anxiety out of the mortgage process so our customers have a clear path to their dream of homeownership.


    Why Is Home Loan Pre-Qualification Useful? Mortgage Pre-Qualification Home loan pre-qualification helps you get a better idea of what size and type of mortgage you might qualify for in advance of submitting your actual mortgage application. With this information in hand, you can better plan and prepare financially for meeting your home ownership goals.


    Get started today with our fast and secure online mortgage application. It’s easy! First, you’ll need to get pre-qualified. Once you’ve been pre-qualified, you can apply online for your mortgage loan.


    A Stronger Pre-Approval for a Stronger Offer.
    With the Platinum Pre-Approval program from Waterstone Mortgage, you’ll receive a rock-solid pre-approval before you start house hunting – allowing you to make a stronger offer on your new home.


    You have many options when it comes to home loans. At Waterstone Mortgage, we have unparalleled expertise in all of the programs available to buyers today. We’ll guide you through the mortgage process to ensure you’re getting the right loan for your unique needs. We offer several resources to help you learn more about mortgages, understand the mortgage process and determine which mortgage product is the best fit for you.


Ryan Smith Mortgage Advisor in Madison, WI


NMLS #287314



NMLS #1370841




NMLS #392041



NMLS #1604068