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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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM(Open now)
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Reviews from Web
Very open communication
Reply from Cole Holmes
May 12th, 2026 08:32 PM
I'm grateful you appreciated the open communication, Kathryn. Keeping you informed is a priority for me. If there's anything else I can assist you with, please let me know.
Cole & Karen were fantastic to work with we could reach them anytime we had questions they both kept us informed through the entire process start to finish less than 14 days!!!absolutely amazing great Team!! Great Job!!!Thanks Again Jim & Susan...
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Reply from Cole Holmes
May 11th, 2026 08:27 PM
Thank you, James and Susan, for your kind words. I'm pleased that Karen and I could assist you and keep you informed throughout the process. It's great to hear that everything came together in less than 14 days. If there’s anything more I can...
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We had a great experience with everyone involved. All communications were timely and informative which made the whole process run smoothly.
Reply from Cole Holmes
May 1st, 2026 01:13 PM
I'm glad to hear that you had a great experience and found the communication timely and informative, Kirk. It's important to me that the process runs smoothly for my clients. Thank you for sharing your positive experience. If there's anything...
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We found the house we wanted really quickly and needed to get through the whole mortgage process quickly as well. You and your staff made it happen. Thank you.
Reply from Cole Holmes
April 30th, 2026 03:28 PM
I'm happy that my team and I could help you through the mortgage process quickly, Nancy. Thank you for your kind words, and I'm glad we could assist you in securing your new home. If you need any further assistance, please feel free to reach...
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Great communication throughout entire process, team was there for me every step of the way! Highly recommend waterstone mortgage if you're looking to buy a home!
Reply from Cole Holmes
April 27th, 2026 04:56 PM
Thank you, Johnathon, for your kind words about the communication and support you received. I'm grateful that you found our team helpful every step of the way. Your recommendation means a lot to me. If you have any further questions or need...
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From beginning to end. You guys made the experience as smooth as possible. Always a phone call away or quick to get back. Everything was explained and easy to understand. I never felt like I was left in the dark about anything. Communication...
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Reply from Cole Holmes
April 27th, 2026 01:41 PM
I'm pleased to hear that the experience was smooth and that my team and I could provide clear communication, Humberto. Ensuring you never felt left in the dark is important to me, and I'm thankful for your kind words. If you need anything else,...
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I was new to this process and they helped explain things in great detail. I was confidant in knowing I was getting accurate information.
Reply from Cole Holmes
March 25th, 2026 03:33 PM
I'm glad to hear that you felt confident in the information provided, Bradley. Explaining the process in detail and ensuring you have clear, accurate information is important to me. If you have any more questions or need further assistance,...
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Cole and Karen were very knowledgeable and helpful through the entire process.
Reply from Cole Holmes
March 11th, 2026 01:20 PM
I'm pleased to know that you found both Karen and me knowledgeable and helpful throughout your experience, Jason. Providing guidance and support every step of the way is important to me. Should you have any more questions or need assistance...
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Cole and team were very responsive and caring throughout the home buying process. They provided several scenarios for up front and monthly costs quickly and efficiently using an easy to understand interface.
Reply from Cole Holmes
February 27th, 2026 04:10 PM
I'm glad to hear that you found my team and me responsive and caring during your home buying journey, Morgen. It's important to me that I provide clear and efficient solutions, along with an easy-to-understand interface, to help make decisions...
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Karen amd Cole were great to work with and made the process very pleasant
Reply from Cole Holmes
February 23rd, 2026 07:35 PM
I'm pleased to hear that you found the process pleasant while working with both Karen and me, James. Making sure the experience is smooth and positive is a priority for me. If you ever have any more questions or need assistance in the future,...
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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