Water Mill, a quintessential Hamptons hamlet, offers a blend of serene beauty and luxurious living. Nestled between Southampton and Bridgehampton, Water Mill is celebrated for its lush landscapes, historic landmarks like the Water Mill windmill, and exquisite waterfront properties. This hamlet provides a tranquil retreat with all the amenities of Hamptons living, including access to pristine beaches, gourmet dining, and exclusive art galleries. The appeal of Water Mill is further enhanced by its proximity to other affluent areas such as Sagaponack, East Hampton, Amagansett, and Sag Harbor, making it a coveted destination for those seeking the ultimate Hamptons lifestyle.
Dreaming of a home in Water Mill? Our Jumbo Verified™ lender network is ready to assist you with competitive rates and mortgage plans designed for Water Mill’s unique real estate market. Whether you’re searching for a secluded estate among the rolling hills or a modern home with panoramic water views, let us guide you through your homeownership journey in Water Mill.
Tailored Mortgage Solutions for Water Mill’s Distinctive Real Estate
Water Mill’s real estate market, known for its luxurious properties and exclusive lifestyle, demands mortgage solutions that understand the nuances of high-end homeownership. Our lenders specialize in providing strategies that cater to the sophisticated needs of potential homeowners in Water Mill and its neighboring communities.
- A diverse selection of mortgage types for Water Mill properties: ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans.
- Financing solutions that accommodate Water Mill’s luxurious properties, from historic estates to contemporary waterfront homes.
- Customized mortgage plans that reflect Water Mill’s unique lifestyle, offering both privacy and access to the Hamptons’ vibrant culture.
- Expertise in Water Mill’s housing market, with specialized financing options like Land, Construction, and Bridge loans.
- Competitive rates to facilitate your home purchase or refinancing in Water Mill, enhancing the journey to luxury homeownership.
Embrace Water Mill’s Exclusive Lifestyle
Living in Water Mill offers an unparalleled lifestyle, characterized by its luxurious amenities, cultural richness, and natural beauty. We’re committed to helping you find a mortgage solution that supports your life in this elite enclave. Whether indulging in the arts, enjoying outdoor activities, or exploring the culinary delights of the Hamptons, your home in Water Mill will be a sanctuary of elegance and comfort.
2024 NEW YORK CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALBANY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ALLEGANY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRONX COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| BROOME COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CATTARAUGUS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CAYUGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHAUTAUQUA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHEMUNG COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHENANGO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLINTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COLUMBIA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CORTLAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DELAWARE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DUTCHESS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ERIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ESSEX COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRANKLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FULTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GENESEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREENE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HAMILTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HERKIMER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JEFFERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KINGS COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| LEWIS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LIVINGSTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MADISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONROE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONTGOMERY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NASSAU COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| NEW YORK COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| NIAGARA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ONEIDA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ONONDAGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ONTARIO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ORANGE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ORLEANS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OSWEGO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OTSEGO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PUTNAM COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| QUEENS COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| RENSSELAER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RICHMOND COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| ROCKLAND COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| ST. LAWRENCE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SARATOGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCHENECTADY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCHOHARIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCHUYLER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SENECA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STEUBEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUFFOLK COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| SULLIVAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TIOGA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TOMPKINS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ULSTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WARREN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASHINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WAYNE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WESTCHESTER COUNTY | $1,149,825 | $1,472,250 | $1,779,525 | $2,211,600 |
| WYOMING COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YATES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
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SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND WATER MILL
Neighborhoods
Jobs Ln, Ocean Rd, Halsey Ln, Stony Brook, Cold Spring Harbor, Dix Hills, Lloyd Harbor, Port Jefferson, Huntington Bay, Village of the Branch, Commack, Greenlawn, Halesite, Wheatley Heights, Northport, Brightwaters, Nissequogue & West Hills.
Zip Codes
11968, 11976, 11932, 11725, 11726, 11727, 11729, 11731, 11733, 11738, 14741, 11757, 11772, 11779 & 11901
Counties
Suffolk County, Nassau County, Queens County, Kings County, Richmond County, New York County, Bronx County, Westchester County, Rockland County, Orange County, Putnam County, Dutchess County, Ulster County, Sullivan County & Columbia County.