Sue Botelho at Waterstone Mortgage Florida Panhandle NMLS #262520

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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 answers, 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).

How much money do you actually need to buy a home? 🤔It’s one of the most common questions homebuyers have — and the answ...
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.

Every ghost deserves a house to haunt. 👻🏡 Happy Halloween!
10/31/2026

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

When it comes to home financing, there’s no one-size-fits-all solution. Every homebuyer has different financial goals, c...
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

Think you need 20% down to buy a home? You may have more options than you realize.Down payment assistance programs can h...
10/22/2026

Think you need 20% down to buy a home? You may have more options than you realize.

Down payment assistance programs can help eligible homebuyers cover part of their down payment — and, in some cases, closing costs. Assistance may be available as a grant, forgivable loan, deferred-payment loan, or low-interest second mortgage.

Eligibility and program availability vary based on factors such as location, income, credit, and the property.

Want to know which options may be available to you? Start your search here: https://bit.ly/4amI0db

Want to buy now without feeling the full weight of today’s interest rates on your mortgage payment right away? A tempora...
10/19/2026

Want to buy now without feeling the full weight of today’s interest rates on your mortgage payment right away? A temporary buydown could help.

With a temporary buydown, your interest rate is reduced for the first 1–3 years — lowering your initial monthly payments and giving you time to ease into the full payment.

And if a seller-paid buydown isn’t an option, Waterstone Mortgage Smart Start offers a lender-paid alternative.

Ready to learn more? Start here: https://bit.ly/4xUIsJr

Home is where life happens. 🏡💙 It’s where mornings begin, milestones are celebrated, and everyday moments become lasting...
10/16/2026

Home is where life happens. 🏡💙 It’s where mornings begin, milestones are celebrated, and everyday moments become lasting memories.

If owning a home is part of your vision, getting pre-approved is a great place to start.

See what may be possible for you: https://bit.ly/4ov22HX

On Travel:The best candy on the Emerald Coast isn't in the tourist corridors — it's on the quiet, palm-lined residential...
10/15/2026

On Travel:

The best candy on the Emerald Coast isn't in the tourist corridors — it's on the quiet, palm-lined residential streets where local families actually live.

The best candy-rich streets in Fort Walton Beach, Destin, Mary Esther, and Navarre — plus safe trunk-or-treat alternatives — straight from 28 years on the…

🎃👻 REALTORS… you know what’s scarier than a haunted house? A mortgage loan that starts falling apart right before closin...
10/15/2026

🎃👻 REALTORS… you know what’s scarier than a haunted house? A mortgage loan that starts falling apart right before closing! 😱

After all these years in the mortgage business, I’ve seen enough horror stories to last a lifetime! 😂

The good news? Most of these nightmares can be avoided with an experienced lender who knows what to look for BEFORE it becomes a problem.

My team and I prefer our tricks and treats at Halloween… NOT at the closing table! 🎃

Let's keep the scary stuff to Halloween and get your buyers to the closing table! 🏡🔑

Buying a home? 🏡 Protect your mortgage approval.Until closing, keep your finances and employment steady. Avoid new credi...
10/13/2026

Buying a home? 🏡 Protect your mortgage approval.

Until closing, keep your finances and employment steady. Avoid new credit, major purchases, large transfers, or unusual deposits — and check with your lender before making any significant financial move.

When in doubt, ask first.

Save this post for later, and share it with someone buying a home.

Don’t “fall” behind on decorating for the season — there’s still time to cozy up your home! Check out these tips for dec...
10/10/2026

Don’t “fall” behind on decorating for the season — there’s still time to cozy up your home!

Check out these tips for decorating your home this autumn: https://bit.ly/4dWNVau

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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