Cole Holmes
VP, Texas Region Sales
Legend has it that the word "Cole" originated from an old term meaning "loves to serve." As a Producing Branch Manager, it's Cole's mission to provide you with a second-to-none experience by delivering proactive communication, so you don't ... Show More
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Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
The team was extremely transparent and willing to walk me through every step. It really felt like I was working with a close friend or family member.
Working with Waterstone Mortgage was a great experience. Cole and his team made the whole mortgage process clear and stress-free. All my questions were quickly answered and I got a good rate. I felt supported from pre-approval to closing day....
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Reply from Cole Holmes
August 17th, 2026 02:57 PM
Thank you, Rienelle, for sharing your experience with Waterstone Mortgage. I'm glad to hear that I and my team were able to make the mortgage process clear and stress-free for you. It's great to know you felt supported throughout, from pre-approval...
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Love the open communication and how pleased my clients are with the service! Y'all are the best!
Reply from Cole Holmes
August 17th, 2026 03:11 PM
I'm grateful for your kind words, Melissa. It's wonderful to know that open communication and our service have met your clients' expectations. Thank you for trusting me with their needs!
House shopping can be stressful, however your team has made this a very easy experience from start to finish! It went very smoothly with a wonderful professional staff experience!
Reply from Cole Holmes
August 14th, 2026 08:47 PM
I'm pleased to hear that your house shopping experience went smoothly, Donna. It's great to know that you found the process easy and professional from start to finish. If you have any more feedback or questions, feel free to reach out!
The team was responsive to our many questions and closing and payments came ins less than estimated which was obviously great!
Reply from Cole Holmes
August 13th, 2026 03:21 PM
I'm happy to hear that the team's responsiveness and the quicker-than-expected closing were positive aspects of your experience, David. If you have any more questions or need assistance, please feel free to reach out.
You guys were helpful, professional, easy to talk to and understand! It was a great feeling knowing y'all were there to help with any question we had through our entire process!!! Thank you!!
Reply from Cole Holmes
August 12th, 2026 03:45 PM
I'm grateful for your kind words, Glenda! It's wonderful to know that you found the process easy and professional. If you have any more questions or need assistance in the future, I'm here to help.
Great, constant back and forth communication. no hassle and Cole and the Waterstone Mortgage team did all the hard work. i especially enjoyed the fact that most documents were through their portal and made it easy to upload. Their communication...
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Reply from Cole Holmes
August 10th, 2026 01:37 PM
I'm glad to hear that the communication and document process through the portal worked well for you, Raul. It's great to know that our collaboration with your realtor was helpful. Thank you for sharing your experience!
Immediate responses to questions via text and email. Thanks Cole!
Reply from Cole Holmes
July 20th, 2026 03:05 PM
I'm pleased to hear that you appreciated the prompt responses, Mark. Thank you for your positive feedback! If you need anything else, feel free to reach out.
Thank you
Reply from Cole Holmes
July 17th, 2026 03:13 PM
Thank you, Dorothy! I'm glad to know you're satisfied with my service. If there's anything else you need, please let me know.
Easy the entire way through. Great job to the whole team! Karen and Cole made everything painless.
Reply from Cole Holmes
July 10th, 2026 05:19 PM
Thank you, David, for your kind words. I'm happy to know that Karen and I could make the process easy and painless for you. If you need any further assistance, please feel free to reach out.
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About
Legend has it that the word "Cole" originated from an old term meaning "loves to serve." As a Producing Branch Manager, it's Cole's mission to provide you with a second-to-none experience by delivering proactive communication, so you don't have to be reactive.
Cole has more than two decades of experience in residential lending, including home purchases, refinances, and cash-out refinances. He holds the Certified Mortgage Planning Specialist (CMPS) designation, blending mortgage planning with financial planning. Most importantly, he and his team put the "FUN" back in "FUNding"!
Products & Services
Mortgage Loan Officer
Construction Loan
Bridge Loans
Adjustable Rate Mortgages
Fixed-Rate 40-Year Mortgage
Cash-Out Refinances
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Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #206857
Awards
Disclaimer
State of Alabama Licensee Exempt.Washington Consumer Loan Branch Office Licensee #CL-1463063.Arkansas Combination Mortgage Banker-Broker-Servicer License #129312.State of Illinois Licensee Exempt.State of Kentucky Licensee Exempt. Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/terms-conditions