Sue Botelho at Waterstone Mortgage Florida Panhandle NMLS #262520

Sue Botelho at Waterstone Mortgage Florida Panhandle NMLS #262520 With Waterstone Mortgage, you get the best of both worlds: The Security and Power of a Big Bank Combi We believe that communication is critical.

NMLS #262520

My team and I are purchase mortgage experts and we don't take commitment dates and contract closing dates as "suggestions"! We are experts at closing your loan on time with the least amount of stress possible. Our primary mission is 100% satisfaction to our clients and to our referral partners. We provide consistent, weekly updates, extremely quick response times, knowledgeable answe

rs, creative problem-solving skills, and clear communication. Working with my local referral partners, my goal is to assist Realtors in our area to grow their business through education and information. I feel that if the Realtors are armed with current knowledge of the mortgage industry, they are more likely to make a sale with a buyer or seller that they are working with. In these economic times, it is important for all of us to work together to help our local market. One of the Realtors that refers me her business once said that she does that because I treat "millionaires the same way that I do people who are making minimum wage!" I believe that everybody should be treated equally in the process. I find that having a background in accounting and my previous work history with a builder/developer helps me to fit my clients into a program that works best for them, rather than just being a data entry clerk and quoting a rate for any program that may or may not work. It is the long-term financial goals of my clients that guide us through the process to get them headed to where their dreams are! Waterstone Mortgage Corporation is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF).

In case you missed it — June is National Homeownership Month! 🎉There’s never a bad time to start preparing for homeowner...
06/15/2026

In case you missed it — June is National Homeownership Month! 🎉

There’s never a bad time to start preparing for homeownership — whether that means improving your credit, saving for a down payment, or getting pre-approved to understand your buying power.

No matter where you are in the journey, let’s walk through it together.

The internet can answer a lot of questions — but when it comes to home financing, nothing replaces working with a trusted professional who understands your goals and unique situation.

Personalized guidance. Local expertise. 🙌

Reach out anytime to get started.

Did you know you can buy a house with no down payment (or a very small one)? Many homebuyers still think you have to put...
06/12/2026

Did you know you can buy a house with no down payment (or a very small one)?

Many homebuyers still think you have to put 20% down to buy a house. This is a myth!

Waterstone Mortgage offers a variety of mortgage programs designed to help buyers get into a home sooner, with flexible down payment options to fit different financial situations.

Some options include…

✅ FHA loans
✅ VA loans
✅ USDA loans
✅ Loans for local heroes and experts
✅ Waterstone Mortgage’s “Powerhouse 100”
✅ 3% down conventional options

Learn more here: https://bit.ly/4uGDvlX

Don’t let internet mortgage advice make major financial decisions for you.Rates are important, but they’re only one piec...
06/06/2026

Don’t let internet mortgage advice make major financial decisions for you.

Rates are important, but they’re only one piece of the puzzle. Loan structure, monthly payment, cash-to-close, future plans, and market timing all matter just as much.

Plus, many buyers are discovering they can refinance later, but they can’t always go back and buy at yesterday’s home prices.

The good news is you don’t have to navigate your homebuying journey alone. Let’s go over your situation and discuss your options together. Send a message to get started.

House hunting often starts with one big question: How much house can I ACTUALLY afford? 🏡Before you start scrolling list...
06/04/2026

House hunting often starts with one big question: How much house can I ACTUALLY afford? 🏡

Before you start scrolling listings, take a closer look at the factors that shape your homebuying budget — from credit score and debt-to-income ratio to down payment options and monthly comfort level.

For a closer look at how a home’s list price translates to your monthly payment, start here: https://bit.ly/4vbRmjR


June is National Homeownership Month — a time to celebrate the dream of homeownership and the opportunities it creates f...
06/02/2026

June is National Homeownership Month — a time to celebrate the dream of homeownership and the opportunities it creates for individuals and families. 🏡

Whether you're buying your first home, upgrading to fit your growing needs, or exploring your options for the future, having the right guidance can make all the difference.

If homeownership is one of your goals this year, let’s make your move together. We’ll work hand-in-hand to ensure you secure the right mortgage loan to meet your needs.

Even if you’re not ready to buy today, understanding your options early can help you prepare with confidence.

Send a message to chat.

5.0 star review received on Experience.com for Sue Botelho by John W - Sue is very awesome at her job we was a little re...
05/30/2026

5.0 star review received on Experience.com for Sue Botelho by John W - Sue is very awesome at her job we was a little reluctant to pick her for our loan but overall we are absolutely 100% Stoke that we did it literally only took her 8 days and that was over a holiday to get our to our closing of our house we can get our house

Click to see all 242 reviews of Sue Botelho at Waterstone Mortgage NMLS #262520, Branch Manager

5.0 star review received on Experience.com for Sue Botelho by Nancy W - was there every step of the way in this process ...
05/29/2026

5.0 star review received on Experience.com for Sue Botelho by Nancy W - was there every step of the way in this process I made it very easy when she was able to help us with everything that we needed to make this process go smoothly. I would definitely recommend her to anybody looking to purchase a home.

Click to see all 242 reviews of Sue Botelho at Waterstone Mortgage NMLS #262520, Branch Manager

Real estate investors, this one’s for you!If you’re looking to expand your portfolio — or jump into the real estate game...
05/29/2026

Real estate investors, this one’s for you!

If you’re looking to expand your portfolio — or jump into the real estate game — consider Waterstone Mortgage’s Cashflow Pro program.

We’ll use your debt service coverage ratio (DSCR) to qualify you — meaning you can get a loan based on the income your investment property generates.

You don’t have to be a seasoned investor to take advantage of this program; first-time investors are allowed, too!

Sound like a good fit? Learn more here, or reach out with any questions. https://bit.ly/4tMUnGx

5.0 star review received on Experience.com for Sue Botelho by James M B J - I truly enjoyed working with Sue. This was m...
05/28/2026

5.0 star review received on Experience.com for Sue Botelho by James M B J - I truly enjoyed working with Sue. This was my first time of buy a home and Sue was very patient, understanding, and clearly explained each tast at hand.I wish there were more people like Sue in this world.

Click to see all 240 reviews of Sue Botelho at Waterstone Mortgage NMLS #262520, Branch Manager

5.0 star review received on Experience.com for Sue Botelho by Chelsey B - Sue is great at communication and down to help...
05/28/2026

5.0 star review received on Experience.com for Sue Botelho by Chelsey B - Sue is great at communication and down to help in every way

Address

123 Staff Drive Northeast
Fort Walton Beach, FL
32548

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18503441780

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