Heather Calvo at Waterstone Mortgage NMLS #10...
Senior Mortgage Advisor
Heather Calvo is an experienced mortgage professional with more than 20 years in the financial and mortgage industries, serving homebuyers throughout Florida's Emerald Coast. She specializes in helping first-time homebuyers, military famili... 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
Heather and her team were absolutely amazing . Made the process incredibly easy. She is a keeper.
Seamless process from beginning to end .
Reply from Heather Calvo
September 21st, 2026 03:24 PM
Carlos, I'm glad to hear that you found the process seamless from start to finish. At Waterstone Mortgage, I strive to provide a smooth experience for all my clients.
Always a pleasant and streamlined experience working with Heather. Communication is clear, the process is efficient, and everything is handled smoothly from start to finish. Heather is responsive, professional, and consistently make the lending...
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Reply from Heather Calvo
August 31st, 2026 05:13 PM
Bethany, I'm grateful for your kind words and pleased to hear that you found the process pleasant and efficient. It's wonderful to know that my communication and responsiveness helped make your experience smooth. Thank you for recommending...
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Working with Heather was truly an incredible experience. After initially working with a different loan officer, I transferred my loan to Heather during a time-sensitive situation to ensure I could close on my home. From that moment on, she...
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Reply from Heather Calvo
August 12th, 2026 07:49 PM
Sydney, I'm grateful for your kind words and pleased to know that my efforts made a difference in your homebuying journey. It was truly a pleasure to work with you and support you through the process. Your trust and appreciation mean a lot...
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Provided information at each step which made the process greatly smooth. Answered every question I had in extremely fast timing, even after hours. I couldn't be happier with my new home with Heather help.
Reply from Heather Calvo
August 12th, 2026 03:10 PM
Timmy, I'm grateful for your kind words and pleased to know that the process was smooth for you. I'm happy that I could assist with your questions promptly, and I'm delighted that you're enjoying your new home. Thank you for choosing to work...
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I couldn't be happier!!
Reply from Heather Calvo
July 27th, 2026 01:08 PM
Tamie, I'm so glad to hear that you're happy with your experience! Thank you for sharing your positive feedback.
With The complicated nature of my job, heather made all things just come together, always a workaround and always had an answer. I couldn't be happier. Tier one service.
Reply from Heather Calvo
July 27th, 2026 01:27 PM
Edward, I'm pleased to hear that I could provide tier one service and help everything come together for you. Your happiness with the process is very important to me. Thank you for your kind words!
Heather always answers the phone, stays on top of everything, and handles any challenges that arise with professionalism and determination. Best in the industry!
Reply from Heather Calvo
July 24th, 2026 06:17 PM
Ruth, I appreciate your kind words and am glad to hear that my approach has been helpful for you. It's great to know that you value my professionalism and determination. Thank you for your support!
Heather is AMAZING!!! She worked hard for us!!! If I could give 6 stars, I would!!!
Reply from Heather Calvo
July 23rd, 2026 03:47 PM
Joseph, I'm grateful for your enthusiastic feedback. I'm pleased to have been able to work hard on your behalf. Your support means a lot to me!
I highly recommend Heather! She was an incredible mortgage lender throughout my recent purchase. One of the best parts of working with her was communication, I had a direct number for her, and she answered every single time I called. She was...
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Reply from Heather Calvo
July 20th, 2026 01:14 PM
Keith, I'm grateful for your recommendation and pleased that my communication and transparency were helpful during your recent purchase. It's good to hear that together we managed to resolve the HOA issues and even move the closing ahead of...
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About
Heather Calvo is an experienced mortgage professional with more than 20 years in the financial and mortgage industries, serving homebuyers throughout Florida's Emerald Coast. She specializes in helping first-time homebuyers, military families, and homeowners navigate the mortgage process with confidence and clarity. Known for her responsiveness, attention to detail, and personalized approach, Heather takes time to educate clients and provide solutions tailored to their unique goals. Whether purchasing, refinancing, or exploring financing options, she is committed to delivering exceptional service and a smooth, stress-free experience from application to closing.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
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Year Started
2000
Time Zone
Central Standard Time (CST)
Licenses
- NMLS #1017546
Awards
Disclaimer
State of Illinois Licensee Exempt.Licensed by the N.J. Department of Banking and Insurance. Residential Mortgage Lender Branch Licensee.State of Idaho Licensee Exempt.Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-125355.Massachusetts Mortgage Broker License #MC186434.Washington Consumer Loan Branch Office Licensee #CL-2056275.Arizona Mortgage Banker Branch License #1013904.State of Alabama Licensee Exempt.State of Kentucky Licensee Exempt. 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