What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Heather Calvo at Waterstone Mortgage NMLS #1017546

Home
United States
Fort Walton Beach, FL
Heather Calvo at Waterstone Mortgage NMLS #1017546

💼 20+ years. 48 states. Thousands of buyers helped.
🏦 Real answers, smart options, and guidance every step of the way. NMLS #1017546 | Waterstone Mortgage.

Heather Calvo is from New Orleans, Louisiana, and graduated from Loyola University. Her mortgage career started in 2003 when she worked for a title company as a notarial secretary. In 2008, Heather decided to extend her mortgage career and started working for Capital One as a mortgage support assistant. Shortly after, she became a loan originator. Heather specializes in working with first-time homebuyers. Outside of work, Heather enjoys spending time with her two beautiful daughters. They fuel her drive for success, motivating her to continually strive for excellence in both her personal and professional life. Heather strives to give the best service to her customers. She is very responsive and truly enjoys working as a loan originator. Her ultimate goal is to make the homebuying process as pleasant and stress-free as possible for her customers.

11/02/2026

Every closing, basically. 😅

When it’s closing day, nothing can stop me from sending the final documents. 😆

11/01/2026

How much money do you actually need to buy a home? 🤔

It’s one of the most common questions homebuyers have — and the answer isn’t simply “your down payment.”

Depending on your purchase, you may also need to plan for things like:

🏡 Down payment
📝 Closing costs
🔍 Home inspection
💰 Earnest money
🚚 Moving expenses

The good news is that some of these expenses may be offset by assistance programs, seller contributions, or other options, depending on your situation.

Instead of guessing at a savings goal, let’s chat. Together, we’ll put together a plan for what homebuying could actually look like for you.

10/31/2026

Every ghost deserves a house to haunt. 👻🏡 Happy Halloween!

10/30/2026

When it comes to home financing, there’s no one-size-fits-all solution.

Every homebuyer has different financial goals, circumstances, and needs. That’s why finding the right mortgage program is so important.

At Waterstone Mortgage, we offer a variety of specialty loan options designed to help you find a financing solution that fits your situation. 💡

Explore our specialty loan programs and discover what’s possible: https://bit.ly/4kq1hQD

10/30/2026

Caption for this slide: It’s the question I hear all the time.

Swipe to see where the money really goes. 👉

Caption for this slide: Totally fair question.

💛 Let’s look at what’s actually behind the numbers.

Your monthly payment is more than “what the lender charges.” 🏠

A big part goes toward your loan balance, and your taxes and insurance are passed on to the people who bill you for them.

Closing costs aren’t one single fee. 📑

Many of them go to the appraiser, the title company, and other third parties.

Your Loan Estimate shows every line, so you can see exactly what each one is.

Still have questions?
Message me. I’m happy to walk you through every line. 💛
Costs vary by loan program and location.
Caption for this slide: Not sure what a line on your Loan Estimate means? Send me a message and we’ll go through it together. 💛 Costs vary by loan program and location.

10/28/2026

Money can’t buy you happiness, but it can close on time... same thing. 😅🏡

Tell me, what’s your favorite part of closing day? 👇

10/27/2026

🚨 YOUR NEXT REAL ESTATE MOVE DESERVES A SMART STRATEGY!

We’re only DAYS AWAY from our 1031 Exchange & Reverse Mortgage Lunch Seminar! 🏡

📅 November 2
⏰ 11:00 AM–1:30 PM
📍 Fort Walton Beach Chamber Conference Room

Join us to learn:

🔑 How a 1031 Exchange may help investors defer capital-gains taxes.
🔑 How reverse mortgages may help eligible homeowners access their equity.
🔑 Why working with a Senior Real Estate Specialist® can make a meaningful difference.

🎤 Meet our presenters:
✨ Dr. Danielle Faye King, SRES®
✨ Lydia Pelegrina, 1031 Exchange Qualified Intermediary
✨ Joe Kimball, Reverse Mortgage Department Manager
✨ Heather Calvo, Reverse Mortgage Specialist

🍽️ Lunch, learning & giveaways! Bring your questions and leave with information to help you explore your next move.

⚠️ Seating is limited—register today!

Know someone who could benefit? Tag them below or share this post! 👇

🎟️ Register here: https://www.eventbrite.com/e/equity-exchange-a-lunch-seminar-on-reverse-mortgages-1031-exchanges-tickets-2003935399725

10/26/2026

There’s no place like home! 🌈👠🏡

Come join us at Boo Fest tonight from 5–8! 🎃 Stay tuned for the rest of the Wizard of Oz crew! 🦁🤖🌾

Your favorite loan officer will be clicking her heels and wishing REALLY hard to make your homeownership dreams come true! 😂✨ My ruby slippers can only do so much, but our lender-paid rate buydown could help you land a lower rate! 🏡❤️

Location :
6276 Old Bethel Rd
Crestview, FL 32536
(Pounders Parking lot)

10/26/2026

The questions I hear every single week, answered in under a minute. 🏡 Got another one? Send me a message and I’ll answer it.

10/23/2026

Let’s get to know each other better!

Address

123 Staff Drive NE
Fort Walton Beach, FL
32548

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://closewithcalvo.com/

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