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).

Buyers often ask, "How can I afford a home with today's rates?" The answer may involve financing strategies many people ...
07/19/2026

Buyers often ask, "How can I afford a home with today's rates?" The answer may involve financing strategies many people don't realize are available.

Affordable homeownership isn't always about finding a less expensive house or waiting for interest rates to drop.

It can also mean taking advantage of programs designed to reduce your upfront costs or monthly payments.

Some buyers may qualify for:
1️⃣ Down payment assistance
2️⃣ No-down-payment loan programs
3️⃣ Temporary interest rate buydowns

Learn more about the strategies you can use to make buying a house more affordable: https://bit.ly/44aaJyB

You built the business. You deserve a mortgage solution built with you in mind.Self-employed homebuyers often assume the...
07/16/2026

You built the business. You deserve a mortgage solution built with you in mind.

Self-employed homebuyers often assume their path to homeownership will be more difficult because their income doesn't fit a traditional mold.

Waterstone Mortgage’s Statement Select loan program was designed to help eligible self-employed homebuyers showcase their financial picture through bank statements, creating additional opportunities to qualify for a home loan.

Whether you're an entrepreneur, consultant, freelancer, or independent contractor, let’s make your next move together.

Click here to learn more, or send a message anytime to connect. https://bit.ly/4aeDQEj

4.75 star review received on Experience.com for Sue Botelho by Todd G - Sue  was  wonderful!  We  didnt  get  the  refin...
07/14/2026

4.75 star review received on Experience.com for Sue Botelho by Todd G - Sue was wonderful! We didnt get the refinance that that we wanted (market is just not there) , but we got the one we needed.

Click to see all 255 reviews of Sue Botelho at Waterstone Mortgage NMLS #262520, Branch Manager

Many buyers search "How much will my mortgage payment be?" The answer depends on much more than interest rates alone.The...
07/13/2026

Many buyers search "How much will my mortgage payment be?" The answer depends on much more than interest rates alone.

The reality is, there are so many things that go into your monthly mortgage payment. And while you’re waiting for rates to decrease, the cost of those other things will likely go up.

If you’re looking for your sign to take the plunge — this is it! Start by getting pre-approved today. https://bit.ly/4ov22HX

Nobody gets more excited about homeownership than the family dog. Ready to give your fur baby a new place to roam? Send ...
07/10/2026

Nobody gets more excited about homeownership than the family dog. Ready to give your fur baby a new place to roam? Send a message to discuss your financing options.

Why Your Mortgage Payment Is an Investment, Not Just a BillGreat read — check it out!
07/09/2026

Why Your Mortgage Payment Is an Investment, Not Just a Bill

Great read — check it out!

Stop viewing your mortgage as a monthly expense. Discover how PITI components and amortization transform your mortgage payment into a powerful tool for forced…

One of the biggest homebuying myths is that you need a large down payment. Many buyers qualify with far less than they e...
07/07/2026

One of the biggest homebuying myths is that you need a large down payment. Many buyers qualify with far less than they expect, and many can utilize down payment assistance to help.

Down payment assistance (DPA) is a great way to make buying a house a little more affordable — and the good news is, there are options for first-time AND repeat buyers!

Learn about the DPA options Waterstone Mortgage offers here: https://bit.ly/44qnzIQ

07/04/2026

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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