Waterstone Mortgage Corporation - Emilio Cosc...

Senior Mortgage Banker

Waterstone Mortgage - Scottsdale, AZ

5.0

(63)

Mortgage

Mortgage Loan Officer

Contact Info

(602) 708-9322

Scottsdale, AZ

https://www.waterstonemortgage.com/originators/emilio-cosculluela

Location & Business Hours

Business Hours

Tues

9 AM to 5 PM

Wed

9 AM to 5 PM

Thu

9 AM to 5 PM

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5.0

(63)

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Emilio was a pleasure to work with. He was direct, communicated well with updates, kept us on track to complete tasks, and managed the process well to closing. I would highly recommend working with Emilio!

Reply from Owner

January 8th, 2026 11:27 AM

Thank you for your kind review, Jon! 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 Randy F

Reply from Owner

January 8th, 2026 11:27 AM

Thank you for the 5-star rating, Randy. Stay in touch.Means a lot!

Emilio has been my mortgage agent twice one for my very first home purchase walking me through every step of the way and 2nd for my first refi. I would definitely reccomend him and the team at Waterstone Mortage. They are professional, experienced...

Reply from Owner

January 8th, 2026 11:27 AM

Thank you for your review, Kat! The team and I were thrilled we were able to provide you with a positive homebuying and refinancing experience. We look forward to working with you again when the time to refinance or buy a new home is right....

Emilio helped my husband and myself with our home refinance. He and his team are incredibly knowledgeable, thorough, organized and speedy. He was with us every step of the way. I highly recommend Emilio with Waterstone Mortgage to take care...

Reply from Owner

January 8th, 2026 11:27 AM

Thank you for your review, Crisy! The team and I were thrilled we were able to provide you with a positive refinancing experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in touch....

Emilio was great from start to finish with the refinance process. He always responded quickly and was helpful answering questions as they came up. We have worked with him twice now and would highly recommend him to others.

Reply from Owner

January 8th, 2026 11:27 AM

Thank you for taking the time to write this review, Nathaniel! A fast and easy refinance 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...

Reply from Owner

January 22nd, 2026 12:00 AM

Waterstone Mortgage Corporation - Emilio Cosculluela has received a review with 5 star rating from Nina T

Reply from Owner

January 8th, 2026 11:27 AM

Thank you for the 5-star rating, Nina. Stay in touch.

This is the second time that I have worked with Emilio and he has always provided exceptional customer service. He goes above and beyond for his clients and always has their best intentions in mind. For anyone looking for a lender I highly...

Reply from Owner

July 15th, 2021 12:00 AM

Thank you for taking the time to write this review, Johnnie! We are happy to hear your homebuying experience was a smooth and easy process, thanks to Emilio. We look forward to working with you again, should you have future homebuying or refinancing...

Emilio explains each step and option. He even recommends when you should wait instead of refinancing. Great guy to work with. He did our original 30 year loan and when it came time that I could refinance, he was my first choice. I got a better...

Reply from Owner

June 26th, 2021 12:00 AM

Thank you for this review, Tcbirney! A professional, informative loan originator is essential to have by your side, during the refinance process. We're glad Emilio was there every step of the way to walk you through the refinance process. Thanks...

My Experience with Emilio was excellent. Emilio treated my wife and I like we was his own kids. He walked us thru everything step by step. This was my wife and I first house and he made it as painless as possible. Emilio was very professional...

Reply from Owner

January 8th, 2026 11:27 AM

Thank you for this review, Raymond! Thank you for leaving such a great review for Emilio and his team. We ❤️ hearing our borrowers' stories and are so happy we were able to hit each curveball thrown our way! We look forward to doing business...

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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

MEM Top 50 Mortgag...

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