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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Because Emilio is the best, and made this experience wonderful. He was like a best friend who had my back every step of the way.
Reply from Waterstone Mortgage Corporation - E...
January 6th, 2026 07:11 PM
It's fantastic to hear that you felt supported throughout the process, Brian. I'm pleased I could be there for you and provide an experience that met your expectations. If you ever need anything else in the future, feel free to reach out.
Great communication.
Reply from Waterstone Mortgage Corporation - E...
January 6th, 2026 07:11 PM
I'm glad to hear that you appreciated the communication, Deanna. Keeping things clear and open is something I strive for at Waterstone Mortgage. If you ever have any more questions or need further assistance, I'm here to help.
Emilio made the process easy and I thoroughly enjoyed working with him. Everything was streamlined and he explained what was happening every step of the way. In a few years, hopefully rates will be lower as I have every intention of working...
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Reply from Waterstone Mortgage Corporation - E...
January 6th, 2026 07:11 PM
It's wonderful to hear that you found the process straightforward and enjoyed working together, Sherlyn. Keeping things streamlined and transparent is always my goal, and I'm glad I could provide that experience for you. Should you decide to...
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Everything was explained and done in a friendly, but professional way.
Reply from Waterstone Mortgage Corporation - E...
January 6th, 2026 07:11 PM
Thank you, Violet, for taking the time to share your experience. I'm so pleased to hear that the process felt both friendly and professional. It was truly a pleasure assisting you at Waterstone Mortgage, and if you ever have more questions...
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I've completed multiple transactions with Emilio Cosculluela at Waterstone Mortgage and would never use anyone else. He is in direct contact with you each step of the way so there are no surprises and I've had no issues or delays in closing....
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Reply from Owner
January 8th, 2026 11:27 AM
Thank you for taking the time to write this review, Johnnie! Providing excellent customer service, throughout the process, is always my top priority. I am glad we were able to provide you with a positive experience and were able to aid in a...
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I've completed multiple transactions with Emilio Cosculluela at Waterstone Mortgage and would never use anyone else. He is in direct contact with you each step of the way so there are no surprises and I've had no issues or delays in closing....
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Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for taking the time to write this review, Johnnie! Providing excellent customer service, throughout the process, is always my top priority. I am glad we were able to provide you with a positive experience and were able to aid in a...
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Emilio was awsome ro work with, promptly answered all our questions and called on a regular basis to check in and make sure we were posted on the loan progress.Martha was awsome and very helpful.Couldn't ask for better people to work with.Tim...
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Reply from Owner
January 8th, 2026 11:27 AM
Tim and Kathy it means a lot to Martha and I to make sure you are treated like you deserve as you guys deserve the best .
Emilio is the best! He makes the loan process smooth and painless. Would recommend to anyone looking for loan services.
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for taking the time to write this review, Laura! A fast and easy loan process is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and Waterstone...
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Just moved. First time working with Waterstone Mortgage and Emilio Cosculluela. Both came highly recommended from my realtor. Great experience. Thorough. Professional. I will definitely consult Emilio for an eventual refinancing.
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for your kind review, James! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Waterstone Mortgage Corporation - Emilio Cosculluela has received a review with 5 star rating from Mary C
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for the 5-star rating, Mary. Don't be a stranger.
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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