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
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.
Best experience I have ever had with a lender. The communication was clear throughout the entire sale. When hurdles came up, she was able to navigate them without issue.
Reply from Heather Calvo
April 14th, 2026 05:59 PM
I'm happy to hear that you had such a positive experience, Matt. Clear communication and effectively handling challenges are priorities for me, so it's great to know these aspects were helpful for you. If you need any further assistance, feel...
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My Morgage advisor Heather was very knowledgeable, patient,helpful, communicative very well and also my Realtor Sarah was so friendly and patient during the whole process I so honored and blessed to still find honest and reliable people out...
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Reply from Heather Calvo
April 9th, 2026 03:26 PM
I'm truly appreciative of your encouraging review, Kaydeen. It's wonderful to know that my support, along with Sarah's, made a positive impact on your mortgage process. Your trust means a great deal, and I’m glad to hear that you're recommending...
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Heather and the team made sure to communicated with me all the needed documents in a timely manner to meet our closing date and walked me through any steps i was unsure of to ensure the documents they requested was filled correctly and that...
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Reply from Heather Calvo
April 7th, 2026 01:34 PM
Thank you for sharing your experience, Billy. I’m pleased to know that communication and guidance helped make the closing process smooth for you. Ensuring everything is clear and timely is a key focus of mine, so your feedback is greatly appreciated....
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Heather is one of my Favorites! She consistently provides the best service to my clients. I know once they decide to work with her they are in capable, responsive, and caring hands throughout the lending process. She always goes the extra mile...
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Reply from Heather Calvo
April 8th, 2026 04:53 PM
I'm grateful for your wonderful feedback, Rebecca. It means a lot to hear that you and your clients have had such positive experiences. Providing capable, responsive service and going the extra mile are commitments I take seriously. Thank you...
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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