Your Next Door Mortgage Lender

Receive 1.25% of the loan amount off of closing costs* (maximum of $5,000) to help you achieve your dream of homeownership! (For example, you would receive $1,250 off of closing costs for a $100,000 loan.)

DIY Tools for You

Home Loan Calculator


 Use this calculator to estimate your monthly mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan to calculate your payment breakdown, schedule and more.

Open House Information


Register for this open house, plus get access to other open houses in the Old Trail Village - Crozet area and surrounding communities! Access Old Trail and local open house information now.

Easy Pre-Approval


Do you know how much home you can afford? Take the first step by getting pre-approved for free!

What's Your Home Worth?


What could refinancing your home loan save you? 

Your Old Trail Village Mortgage Lender

Farm-based neighborhood community

The Zemon Team at Old Trail Village

There is no place to live like Old Trail Village. Whether you are new to the area, purchasing a new home in the neighborhood, or are looking to refinance your current mortgage loan, my team and I have the experience, industry knowledge, and community ties to provide a seamless home loan experience from start to finish. We’re proud to be a part of the Old Trail Village community and would be honored to serve you as your local mortgage lender.

Crozet suburbs

Why Work With Us?

  • Present your best offer. Our pre-approval and Platinum Credit Approval processes allow you to find out how much you qualify to borrower and shop with confidence. Having a strong pre-approval from a credible lender gives you the best chance of having your offer accepted. 
  • Close on time. We have the in-house support staff and industry expertise to help you close on time. We’re a well-oiled machine!
  • Find the right loan for your needs. Waterstone Mortgage offers a variety of no- and low-down-payment home loan programs (some that don’t even require mortgage insurance!) to cater to your unique situation.

Crozet neighborhoods

Home Loan Program Variety

Waterstone Mortgage’s mortgage programs include:

  • No down payment, no mortgage insurance, and 1% to closing costs program
  • 1% down payment for community heroes home loan program (police offers, firefighters, teachers, nurses, EMTs, paramedics, school employees, law enforcement firm employees) 
  • FHA 
  • VA 
  • USDA 
  • Conventional 
  • 5% down payment construction home loans
  • Renovation mortgage loans

About The Zemon Team

Andy Zemon

Andy Zemon

Sales Manager

NMLS #208916

Andy works as the Sales Manager for the Waterstone Mortgage at the Charlottesville, Virginia branch. He has helped more than 2,000 families get a home loan since he began his mortgage lending career nearly 20 years ago. 

Christina Truslow


Loan Partner

Christina assists clients at the Waterstone Mortgage Crozet location. She is available to help you through your application and answer any questions you may have about about the mortgage process.

About Waterstone Mortgage

Waterstone Mortgage Home Office

Waterstone Mortgage Corporation was founded in 2000 to offer customers a better experience at the closing table. As the company has expanded, we have remained focused on producing high-quality loans, finding the solution for each client’s unique situation. We pride ourselves on not just closing loans on time, but faster than our competitors. 

While we are known for our exceptional commitment to closing loans on time, we also place a strong emphasis on technology, working consistently to find, develop, and implement solutions that enhance and streamline the mortgage loan experience. Finding the best home loan for every customer is our primary goal, as we work to help thousands around the nation achieve their homeownership dreams. 


Contact Us

5405 Ashlar Avenue, Suite 101, Crozet, VA 22932


Hours of Operation

Open today

07:30 am – 05:30 pm

Monday - Friday: 7:30am - 5:30pm

Saturday: By appointment

Sunday: Closed



*Offer valid only on purchase loans obtained through Waterstone Mortgage and secured by a first lien mortgage on your primary residence. Must mention this advertisement to receive the offer. Credit cannot be redeemed in conjunction with any other offer. Expires 04.30.2020. 1.25% credit toward closing costs will appear on your Closing Disclosure. Other restrictions may apply. Employees and agents of Waterstone Mortgage are not eligible.

All loan requests are subject to credit approval as well as specific program requirements and guidelines. For some programs, income and property restrictions may apply. Information is subject to change without notice.

Waterstone Mortgage Corporation (NMLS #186434) is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender.

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