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
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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Reviews from Web
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...
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Reply from Owner
January 22nd, 2026 12:00 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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I really appreciated the good service and honest feedback in my dealing with Emilio. He’s very knowledgeable about what we needed and helped out in every respect and every step of the way. I’d definitely do business with him again—and this...
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Emilio is best, there no words to describe how much he helped us.He is the person who you gonna call when you need to buy house or refinance mortgage. Thank you very much Emilio.
Reply from Owner
April 7th, 2021 12:00 AM
Thank you for this glowing review, Milena! We're ecstatic you had such a wonderful experience with Emilio. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
Emilio is the best of the best in the lender business. I have known him for 7 years and wouldn't choose anybody else for home purchasing, selling, and refinancing. He was very professional when walking me through all of the home refinancing...
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Reply from Owner
April 7th, 2021 12:00 AM
Thank you for this review, Mladopacic! 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....
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Emillio has helped us both times with our mortgage and has sterling expertise & professionalism in all avenues.He is so outstanding in these regards that as great- grandparents, we as well as our whole family who need mortgage services; children...
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Reply from Owner
January 8th, 2026 11:27 AM
Thank you for this review, Larry and Lois! We're glad to hear Emilio has been consistently helpful with your family's mortgage needs. Don't hesitate to reach out with any future homebuying or refinancing questions!
Water stone Mortgage but more specifically Emilio is a great Mortgage Banker. I have went to Emilio twice on newly purchased home and once on a refinance. The refinance was even more impressive as he reached out to me on when the market allowed...
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Our experience with Emilio @waterstone exceeded all expectations! He was an absolute champion in ensuring we were set up and the process was smooth. This our second time using Emilio and we will keep coming back! Highly recommend!
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for your kind review, Alyssa! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Emilio is THE best at what he does. He takes the time to explain the process so you understand what is going on. No words can describe the effort he puts into his transactions as well as being personable and just hands down a great guy. His...
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Reply from Owner
January 8th, 2026 11:27 AM
Thank you for your kind review, Gayle! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
I have owned and sold a few homes in my past and working with Emilio has been the smoothest and less stressful lending process I have ever experienced. I feared Covid would have made the process more complex but in fact working with Emilio...
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I was worried Covid would make the process of financing a new home loan more complicated. Emilio flipped it on its side and provided one of the smoothest home loan processes I have ever experience. I will gladly work with Emilio again in the...
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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