Dawn Hoffman at Waterstone Mortgage NMLS #440324

Dawn Hoffman at Waterstone Mortgage NMLS #440324 Firefighter spouse. Local to Crestview, FL. NMLS #440324

Helping military families, first-time buyers, and homeowners across Okaloosa, Walton & Santa Rosa County navigate VA loans, construction financing, and everything in between. 20+ years experience. We are a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF) with assets of more than $1.9 billion. With this structure, we are able to offer our clients all of the benefits of an independent mortgage lender, as well as the portfolio products of a bank.

09/09/2026

Lenders advertise rates. But the number you actually need to compare is the APR.

APR includes the interest rate plus fees, points, and other costs — giving you the real picture of what you’re paying.

Next time you’re comparing lenders, ask for the APR. It tells the whole story.

DM me if you want me to break down your numbers.

09/07/2026

Your home isn’t just a place to live — it’s an asset.

A HELOC lets you tap into the equity you’ve built without selling or refinancing your entire mortgage.

Renovations. Consolidating debt. Big life expenses. There are a lot of smart reasons to consider it.

DM me and let’s talk about whether it makes sense for you.

And if you don’t have enough equity yet — I just rolled out a brand new HELOC Renovation product that works differently. Stay tuned — I’ll be sharing all the details in my next videos.

Whatever your homeownership goal looks like — I have a loan for that.VA Loans · Construction-to-Perm · FHA · Conventiona...
09/04/2026

Whatever your homeownership goal looks like — I have a loan for that.

VA Loans · Construction-to-Perm · FHA · Conventional · Renovation Loans · Hometown Heroes · First-Time Homebuyer Programs · Refinancing · HELOCs · Land Loans

Licensed in 48 states. Based in the FL Panhandle.

DM me and let’s find the right fit for you.

09/02/2026

PMI is one of those things nobody explains until you’re already paying it.

Here’s what it is, why it exists, and how to get rid of it — or avoid it altogether.

DM me and let’s run your numbers.

08/31/2026

Sometimes the most important thing a lender can do is care.

This veteran — a two-time Silver Star recipient — was turned down by a large national lender over an incorrect document. They never even told him what was wrong.

He came to me. We figured it out together. We got him closed.

He still sends me referrals. The best thing he ever said to me was simply: ‘You care.’

That’s the job. That’s why I do this.

If you’ve been told no — or if you just want someone who will actually walk you through the process — DM me.

5.0 star review received on Experience.com for Dawn Hoffman by Todd S - There is not enough space for this field (or hou...
08/28/2026

5.0 star review received on Experience.com for Dawn Hoffman by Todd S - There is not enough space for this field (or hours in a day) to express how outstanding Dawn and Waterstone Mortgage are at what they do. They pulled off an absolutely brilliant last minute pivot after a third party lender left a buyer with no funds the day before closing.

Dawn and Waterstone sprang into action and the the file fully approved and clear to close in less than 48 hours! That's insanity. Some lenders take 48 days.

I could go on and on. But just come see Dawn and you'll get a firsthand look.

Read more: https://experience.com/reviews/dawn-hoffman-405567/78fba5ff-2e03-4036-af40-eef501aec14a?V=1787949270&utm_source=facebook&utm_medium=autopost&utm_content=13469762

The best part of what I do isn’t just helping someone close on a home—it’s becoming the person they trust to call again....
08/28/2026

The best part of what I do isn’t just helping someone close on a home—it’s becoming the person they trust to call again. 🏡🤍

Jennifer, thank you for choosing me for more than one transaction and for taking the time to share these kind words. I’m always here to answer the questions, explain the details, and make every step feel a little easier.

Ready to talk about your next move? Send me a DM—no pressure, just honest guidance.

08/26/2026

The process feels overwhelming until you see it laid out.

Most purchases take 30–45 days from application to closing. Some go faster. Some take longer.

What matters is having someone who keeps things moving and keeps you informed every step of the way.

That’s exactly what I do. DM me.

08/24/2026

You don’t have to sell before you buy. Or buy before you sell. There are options.

The key is knowing which one fits your situation — and having a lender who can make it work.

DM me and let’s talk through your options.

Address

123 Staff Drive NE
Fort Walton Beach, FL
32548

Opening Hours

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

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