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
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Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Heather was great in explaining my different options concerning APR and buy down Heather also kept me in the loop on the progress of my loan which was very helpful making the process less stressful
Easy process From start to finish!
Reply from Heather Calvo
June 10th, 2026 05:16 PM
Kevin, I'm pleased to know that you found the process easy from start to finish. Thank you for sharing your experience with me.
There were 2 separate instances where either my name was incorrect or my address was incorrect on celebratory paperwork. Not a HUGE deal, but getting a home is a big step in people's lives so little things like that leave a not so great impression....
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Reply from Heather Calvo
May 27th, 2026 03:51 PM
Angela, I appreciate your feedback and apologize for the errors with your name and address on the paperwork. I understand how important attention to detail is during such a significant process. I'm glad to hear that I was able to answer your...
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I appreciate your communication and guidance through the process.
Reply from Heather Calvo
May 18th, 2026 05:03 PM
Kimberly, I appreciate your kind words and am glad to hear that my communication and guidance were helpful to you. If there's anything else you need, please feel free to reach out.
Heather was great at keeping me informed, thanks for the
Reply from Heather Calvo
May 13th, 2026 01:56 PM
Ethan, I'm glad to hear you appreciated being kept informed throughout the process. Thank you for sharing your experience with me.
Heather is super knowledgeable, SUPER patient with idiots like me 😅, very polite and professional and always quick to respond.
She 100000% made this whole, ginormous, intimidating process more clear and manageable.
Reply from Heather Calvo
April 27th, 2026 02:13 PM
Stephanie, I'm grateful for your kind words and happy to know that you found my support helpful during this process. It's important to me that my clients feel informed and at ease, so I'm pleased to hear I could make things more manageable...
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Heather is AMAZING! This was almost a year in the making and we finally found the one for the Buyer. Heather answered countless questions and provided differenct financing options thru-ou the home finding process. Thank you Heather for helping...
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Reply from Heather Calvo
April 24th, 2026 03:49 PM
Casey, I'm grateful for your kind words and thrilled to have been part of this journey with you and your family. It's rewarding to know that my support and the financing options I provided helped make your homeownership dreams a reality. If...
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Heather was fine. The underwriting experience was a nightmare.
Reply from Waterstone Mortgage
April 15th, 2026 04:29 PM
Thank you for your feedback. I’m glad to hear that Heather took good care of you along the way!
I do want to acknowledge that your loan was more complex than most. Condotel financing can be challenging, and in this case, the project required...
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Verry efficient!
Reply from Heather Calvo
April 15th, 2026 07:22 PM
I'm pleased to hear you found my services efficient, Sarah. If there's anything else you need, feel free to reach out anytime.
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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