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 was extremely knowledgeable and helpful. He explained every step along the way and made the process seamless. Emilio was the ultimate professional and I would recommend him to everyone.
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for your kind review, Maryann! 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 Egal P
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for the 5-star rating, Egal. It was my privilege helping you both!!
Waterstone Mortgage was prompt and followed through with answers to any question I asked. Their professionalism and follow through were exemplary.
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for this review, Kathy. We know how many questions pop up throughout a loan process – that's why communication is key. I hope to work with you again when the time is right for another loan process or purchase of a new home. Thanks...
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Waterstone Mortgage Corporation - Emilio Cosculluela has received a review with 5 star rating from Cameron S
Emilio has helped us purchase and refi our home. Both experiences were excellent. He remembers his clients and treats them like he would his own friends and family. We feel comfortable and welcomed to reach out to him anytime with finance questions...
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Reply from Owner
November 18th, 2020 12:00 AM
Thank you for this review. We know how many questions pop up throughout the loan process – whether you're a first-time homebuyer or you're seasoned at refinancing – that's why communication is key. It sounds like Emilio went above and beyond,...
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Waterstone Mortgage Corporation - Emilio Cosculluela has received a review with 5 star rating from Laura B
Reply from Owner
January 8th, 2026 11:27 AM
Thank you for the 5-star rating, Laura!
Look no further than Emilio Cosculluela at Waterstone Mortgage. You will not be disappointed. He makes sure he puts his customers needs and interests first. He was a joy to work with, always a step ahead and communicates everything with you...
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Reply from Owner
January 8th, 2026 11:27 AM
What an amazing review, Dominic! And we agree Emilio is pretty amazing at what he does! When you find a loan originator who treats you like family, it's no wonder you've found your loan originator for life. Emilio and everyone at Waterstone...
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I have dealt with many mortgage lenders in my life but Emilio by far is the BEST I have come across. On top of the entire process from start to finish. Very experienced in his field and I highly recommend him to anyone looking for honesty,...
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Reply from Owner
January 8th, 2026 11:27 AM
Thank you for the great review and congratulations again, Marc! I'm so glad you had a positive home loan experience! Your recommendation means the world to me! I look forward to helping you with any of your future purchase or refinance needs....
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I could not have closed on my mortgage without Emilio! Emilio and his team went above and beyond for me on this transaction. He handled my very tight turn around time with ease and was always available for me when I had questions (and I had...
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Reply from Owner
January 8th, 2026 11:27 AM
Thank you for this wonderful review. Having a knowledgeable loan originator by your side makes all the difference. We hope we have the chance to work with you again in the future, so don't be a stranger.
I could not have closed on my mortgage without Emilio! Emilio and his team went above and beyond for me on this transaction. He handled my very tight turn around time with ease and was always available for me when I had questions (and I had...
read more
Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for this wonderful review. Having a knowledgeable loan originator by your side makes all the difference. We hope we have the chance to work with you again in the future, so 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