Waterstone Mortgage Corporation - Emilio Cosc...
Senior Mortgage Banker
Emilio Cosculluela is an experienced mortgage professional dedicated to helping first-time homebuyers, repeat buyers, and real estate investors find the right home loan for their financial goals. Fluent in English and Spanish, he combines i... Show More
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Business Hours
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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Emilio,Thank you so much for your continued dedication, guidance, and support. We truly feel blessed to have you in our corner. Since moving to Arizona, all of our real estate and lending deals have worked out in our favor, even through some...
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Reply from Owner
September 21st, 2026 06:57 PM
Thank you very much Shashi , you were indeed a pleasure to work with and you made it easy . It was indeed my pleasure to help you expand your portfolio!! i feel fortunate to have you as a client and i am very appreciative!
Thank you so much for your continued dedication, guidance, and support. We truly feel blessed to have you in our corner. Since moving to Arizona, all of our real estate and lending deals have worked out in our favor, even through some of the...
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Reply from Emilio Cosculluela
September 28th, 2026 07:58 PM
I appreciate your kind words, Shashi. I'm glad to hear that your real estate and lending experiences in Arizona have been successful and that I could play a part in that. Working with you has been a pleasure, and I'm so glad to be part of this...
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Waterstone Mortgage Corporation - Emilio Cosculluela has received a review with 5 star rating from Lilia S
Reply from Owner
March 30th, 2026 02:11 PM
I appreciate the positive rating, Lilia. If there's anything more you need or want to discuss, feel free to get in touch.
Reliable, quick communication and overall a smooth refinancing process. Highly recommended.
Reply from Waterstone Mortgage Corporation - E...
March 30th, 2026 06:01 PM
Liliaschwarzbeck, I'm happy to hear that you found the refinancing process smooth and communication quick. It was a pleasure assisting you, and I appreciate your recommendation. If you have any future needs or questions, don't hesitate to reach...
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We couldn’t have asked for a better experience working with Emilio. He was patient, responsive, and incredibly knowledgeable. He made what can feel like an overwhelming process feel simple and manageable. Emilio went above and beyond to ensure...
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Reply from Owner
May 23rd, 2026 02:31 PM
Thank you, Braelyn, for sharing your experience. It's great to know that I was able to help make the process smooth and manageable for you. I strive to offer guidance and support throughout, and I'm glad to hear it made a difference. Your recommendation...
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We couldn’t have asked for a better experience working with Emilio. He was patient, responsive, and incredibly knowledgeable. He made what can feel like an overwhelming process feel simple and manageable. Emilio went above and beyond to ensure...
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Reply from Emilio Cosculluela
March 11th, 2026 02:51 PM
I'm thrilled to hear that your experience was so positive, Braelyn. It was my pleasure to help make the process feel simple and manageable for you. I always aim to provide clear communication and support, ensuring you feel comfortable every...
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Emilio Cosculluela took extra time to make sure everything was in order for my fiananacing. My family and I have worked with him and Waterstone for atleast three mortgages and would not use anyone else. The experience was made as flawless aspossible...
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Reply from Waterstone Mortgage Corporation - E...
January 28th, 2026 05:37 PM
Michele. Thanks so much always love working with you and Trista Lou!!!!!
Amazing team like always.
Reply from Owner
January 8th, 2026 11:28 AM
Thank you for sharing your experience. It's reassuring to know that the team continues to meet your expectations. If you need any further assistance, please don't hesitate to reach out.
Amazing team like always.
Reply from Waterstone Mortgage Corporation - E...
January 6th, 2026 07:11 PM
Thank you for taking the time to leave your feedback, Ilijana. I'm glad to hear that the team consistently meets your expectations. If there's anything more I can assist you with, feel free to reach out.
Best experience ever.
Reply from Owner
January 8th, 2026 11:27 AM
It was my pleasure and honor to help you and your family Brian. Thank again
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About
Emilio Cosculluela is an experienced mortgage professional dedicated to helping first-time homebuyers, repeat buyers, and real estate investors find the right home loan for their financial goals. Fluent in English and Spanish, he combines industry expertise with personalized service to deliver a smooth mortgage experience from start to finish. Born in Havana and raised in Miami, Emilio earned his Business Administration degree from Florida State University. Outside of work, he enjoys supporting numerous charities, scuba diving, traveling, hiking, exercising, and spending time with his Miniature Schnauzer, Kaiser
Products & Services
Mortgage Loan Officer
Conventional Home Loan
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Year Started
2000
Time Zone
Mountain Time
Licenses
- NMLS# 225111
Awards
Disclaimer
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