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
From start to finish, Cole and Karen have been fantastic!! The Chappell's second mortgage with Cole! Highly recommende!
Reply from Cole Holmes
April 2nd, 2025 04:41 PM
I'm thrilled to hear about your positive experience with both Karen and me throughout your mortgage process. It's wonderful to have had the opportunity to assist with your second mortgage, and I greatly appreciate your recommendation.
Thanks so much for helping us buy our first home and answering all our questions
Reply from Cole Holmes
March 30th, 2025 03:10 PM
I'm thrilled to have assisted you in buying your first home and to have answered all your questions. Thank you for your kind words and for choosing Waterstone Mortgage.
Phenomenal team and experience. Cole and his team were on top of it to ensure that we were educated and confident moving forward in any direction. They were always available to provide guidance and answers to our questions. I want to specially...
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Reply from Owner
February 20th, 2025 12:00 AM
Wow! Thank you, Kelly, I can’t adequately express just how much your amazing feedback means to me AND my team.
And yes, Karen is an absolutely rockstar. Thank YOU 🙏
My 100% truthful experience with Cole Holmes with Waterstone Mortgage (I get nothing in return for this except helping others navigate the difficult process of funding for a home - an exhausting and somewhat nerve racking process). Why choose...
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Reply from Owner
February 20th, 2025 12:00 AM
I appreciate YOU, David - thank you so much for your heartfelt words 🙏
Cole Holmes with Waterstone Mortgage did an excellent job for me on securing a competitive interest rate and helping me achieve a quick closing!!! Would definitely go with him again for refinancing or purchasing another home. 😊
Reply from Owner
November 20th, 2024 12:00 AM
Thank you for the amazing, kind feedback, Liz - I sure do appreciate you!
Working with Cole and his team was great! We were constantly in the know of where we were in the application process. Their professionalism and attention to detail made our closing day smooth and flawless. I would work with Cole and his team...
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Reply from Owner
February 20th, 2025 12:00 AM
Sylvia, thank you so much for your kind words. Means the world to me😀
Thankful to be a part of y’all’s journey 🙏🙏🙏
Cole and his team were amazing! Very professional, attentive, and answered all of our questions. Would definitely recommend him!!
Reply from Cole Holmes at Waterstone Mortgage ...
November 12th, 2024 05:30 PM
Thank you for your recommendation, Misti! The team and I were thrilled we were able to provide you with a positive experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch.
Working with Cole and his team was great! We were constantly in the know of where we were in the application process. Their professionalism and attention to detail made our closing day smooth and flawless. I would work with Cole and his team...
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Reply from Owner
October 24th, 2024 12:00 AM
Thank you for the 5-star rating and review, Sylvia! We are glad that Cole and his team were able to help you close on time. We appreciate your recommendation and hope to work with you again, should you have any future homebuying or refinancing...
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Cole Holmes has worked with us for five mortgages two of them were refi with cash out then he helped my daughters do their first homes Cole was patient and careful and had good assistance with Karen Drinkwater
Reply from Cole Holmes at Waterstone Mortgage ...
September 27th, 2024 06:47 AM
Thank you for your recommendation, David! The team and I were thrilled we were able to provide you with a positive experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch.
Cole was great to work with, and got me fantastic rate!
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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