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 was very respectful and informative throughout the entire process. She was able to answer any questions I had within a business days time and when I wanted to look into another loan type, Heather assisted me with that as well. Thank...
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Reply from Owner
April 23rd, 2021 12:00 AM
Thank you for this review, Ryan! We know how many questions pop up throughout the loan process, that's why communication is key. It's sounds like Heather went above and beyond, providing answers to all your questions. Thanks again.
Heather was very professional and thorough. She promptly responded to my calls and addressed them in a timely matter. She helped to make my home purchase an easy process. I would recommend Heather and her staff to anyone looking for a home...
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Reply from Heather Calvo
March 18th, 2021 01:57 PM
Thank you so much 😊
Heather was so helpful during the loan process, I appreciated all her detailed directions which left no room for confusion or missed documentation.
Reply from Heather Calvo
March 4th, 2021 08:02 PM
Thank you!
Heather is a joy to work with! She made the process of buying a home seamless for my buyers!
Reply from Heather Calvo
August 25th, 2020 11:29 PM
Thank you 😊!!
Heather provided a very personalized, professional experience throughout our mortgage process. She found out what our needs were and then worked tirelessly to help us achieve our dream of owning a home. I strongly recommend her to anyone who...
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Reply from Heather Calvo
August 21st, 2020 05:03 PM
Thank you Gary! I’m so glad I was able to help 😃
Heather is AMAZING! she handled my first purchase and is helping with my refinance. She's a straight shooter and gets things done.
Reply from Heather Calvo at Waterstone Mortgag...
August 24th, 2020 11:27 PM
Thank you for taking the time to write this review, Marybeth. Exceptional service is what I strive to provide each and every one of my customers throughout the loan process - whether it's for a first-time homebuyer or a seasoned homeowner looking...
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My wife and I were at a dead end with the mortgage process when we were referred to Heather. From the first conversation she didn’t stop working for us . 5 weeks later , today , we closed on our house . We could not have done this without her....
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Reply from Heather Calvo
September 6th, 2019 05:30 PM
Thanks you Mr. Martin. I’m glad I was able to help. Enjoy your home 🏠
I had a unique situation where my pay stubs were messed up due to a paperwork error at work. She still went above and beyond working late hours to get my file together and approved so I could close quickly! Will definitely recommend her and...
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Reply from Owner
June 27th, 2019 12:00 AM
Thanks for the 5-star review! We're glad Heather was able to work through the circumstances of your home loan and help you close on time. Enjoy your new home!
Heather was wonderful to work with! We were moving into the area from a different state. She made everything easy and painless! I would recommend her to anyone that is in need of her services!
Reply from Owner
June 27th, 2019 12:00 AM
That's awesome, Sarah! Moving across statelines can be a challenge, but we're glad to hear that the home loan experience was easy for you. Thanks for taking the time to share your feedback!
I had a great experience with Heather. She was very professional and always working hard to get everything done. She was wonderful at keeping me updated on what was going on. I would highly recommend her to anyone who will be purchasing a home...
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Reply from Owner
July 28th, 2017 12:00 AM
Thank you for your review, Lauren! Working with a loan originator who consistently updates you throughout the process can be a huge help. We're so glad that you had such a great experience working with Heather. We hope to see you soon!
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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