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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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 always goes above and beyond! We have used her for multiple home purchases across the US, and she's phenomenal to work with! She's also available at anytime, and she gets everything done as quickly as possible. We will continue to use...
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Heather and her team were very quick and efficient throughout the whole process. They promptly answered any questions we had and were able to make the moves up date for closing with no issues. We would recommend everyone to go with them on...
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Reply from Heather Calvo at Waterstone Mortgag...
July 7th, 2026 03:06 PM
Terry, I appreciate you sharing your experience and kind words about my team and me. I'm glad we could assist you efficiently and help with the closing process. Thank you for recommending us for future home purchases!
Heather and her team were fast, helpful, answered all my questions.
Reply from Heather Calvo
June 30th, 2026 05:42 PM
Jillian, I'm pleased to know that you found my team and me fast and helpful, and that we could answer all your questions. Thank you for sharing your positive experience with Waterstone Mortgage!
I had the pleasure of working with this lender on a recent transaction, and I couldn't be more impressed. She was extremely organized, professional, and proactive throughout the entire process. Communication was excellent, and she stayed on...
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Reply from Heather Calvo
June 29th, 2026 07:00 PM
Katie, I'm grateful for your kind words and am pleased to hear that you were impressed with my organization and communication throughout the process. It's wonderful to know that I could help your clients feel comfortable and informed. I appreciate...
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Heather was wonderful. Everything was prepared and ready to go. Easy.
Reply from Heather Calvo
June 29th, 2026 08:03 PM
Laura, I'm glad to hear that you found everything prepared and easy during the process. Thank you for your kind words and for choosing Waterstone Mortgage!
Heather was very helpful especially in communicating the needs of what I needed to do for approval.Closing was on time which was great.I would happily recommend Heather to anyone seeking a mortgage that is stress free and informative
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Reply from Heather Calvo
June 25th, 2026 05:58 PM
George, I'm happy to hear that you found my assistance helpful and that the closing went smoothly. Your recommendation means a lot to me, and I'm grateful for your kind words about my communication throughout the process. Thank you for choosing...
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Reply from Heather Calvo
June 23rd, 2026 03:37 PM
Thank you for your rating, Georgia. I'm glad to have been of assistance during your process with Waterstone Mortgage.
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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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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544
/850
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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