Frances Estrada at Waterstone Mortgage NMLS #...
Loan Originator
Frances Estrada is committed to making the home financing process smooth, transparent, and enjoyable. With access to a wide range of loan products, including no-down-payment options, she tailors solutions to fit each client’s unique needs. ... 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
Fran was exceptional throughout the loan process & kept the mortgage moving forward smoothly as all the details of the home purchase were underway. She maintained close communication with all parties & a high level of professionalism until...
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Reply from Frances Estrada at Waterstone Mortg...
August 14th, 2026 09:49 PM
Dianna, It's always a pleasure working with you. Thank you for the review. Your clients are lucky to have you as their Realtor.
She is extremely kind and kept on top of things. She was also willing to work with me when no one else would and helped me plan on how to get ready to purchase.
Reply from Frances Estrada at Waterstone Mortg...
August 1st, 2026 06:27 PM
Caitlin, Thank you for the review. You were committed to the process from our first conversation. There are hurdles in every loan and we worked together to find the right loan and option for you to make your first purchase. Congratulations!...
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Frances was great!
Reply from Frances Estrada
August 1st, 2026 06:33 PM
Thank you Jo. We worked really well together. I appreciate your thoughtfulness and attention to detail. I look forward to our next transaction. You are a top notch communicator.
Frances was the best!! Always so responsive and helpful. She made this process so easy !!
Reply from Frances Estrada at Waterstone Mortg...
July 21st, 2026 04:07 PM
Amanda, I’m excited for you to make this house your home. Especially the proximity to Arias school. It was meant for you. 💖
Frances continues to exceed expectations. From clear to close always with time to spare, great communication and just an overall excellence.
Reply from Frances Estrada at Waterstone Mortg...
July 21st, 2026 04:12 PM
Kevin, thank you for your review. I equally appreciate your work ethic. It’s always great working with someone who understands it takes team effort to get our clients to the closing table.
Frances Estrada at Waterstone Mortgage NMLS #1607733 has received a review with 5 star rating from Candice G
Reply from Owner
July 21st, 2026 04:12 PM
Thank you.
Thank you!
Reply from Frances Estrada
July 21st, 2026 04:08 PM
Thank you Candice.
Great help!
Reply from Frances Estrada at Waterstone Mortg...
July 20th, 2026 05:41 PM
Thank you, Juan. Teamwork makes it all come together in the end. Enjoy your new home!
France’s was very helpful she answered all of my questions and walked me through every step of she didn’t know the answers she found them and got back to me quickly
Reply from Owner
March 30th, 2026 02:13 PM
I’m thankful for your kind words, Esteban. Ensuring that all your questions were thoroughly addressed, even if it meant finding the answers and getting back to you promptly, was a priority for me. If there's any more assistance I can offer,...
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This was my first home and I was treated so good and all my questions were answered quickl no matter how small
Reply from Frances Estrada
March 30th, 2026 01:10 PM
I'm glad to hear about your positive experience as a first-time homebuyer, Esteban. It was important to me to ensure all your questions were answered promptly. If there's anything more you need as you settle into your new home, please feel...
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About
Frances Estrada is committed to making the home financing process smooth, transparent, and enjoyable. With access to a wide range of loan products, including no-down-payment options, she tailors solutions to fit each client’s unique needs. Known for responsive communication and expert guidance, Frances everages cutting-edge technology to streamline the loan process. From application to closing, she prioritizes care, efficiency, and a stress-free experience. Home is where the best part of life happens, and you want it to be perfect. So, when you find it – the perfect home – Frances will help you find the perfect mortgage.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional
FHA
USDA
VA
Zero Down
Down Payment Assistance
Community Lending
Renovation
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Year Started
2000
Time Zone
Eastern Time
Licenses
- NMLS #1607733
Awards
Hobbies
- Golf, Pickleball, Hot Yoga, Sand Volleyball, Cycling, Running, Playing Card or Board Games
Disclaimer
Arizona Mortgage Banker Branch License #0124432.Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-89755.New Mexico Mortgage Loan Company Branch License.Oregon Mortgage Lending Branch Licensee #1763800.Oregon Mortgage Servicer Branch Licensee #1763800. 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