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 is great to work with! She truly knows her stuff adn is always availble to answer questions, whether its during the week or on the weekend. I really enjoy working with her and appericate how helpful she always is.
Reply from Heather Calvo
March 16th, 2026 06:58 PM
I’m grateful for your kind words, Sheena. It’s important to me to be available and provide the support you need, whenever you need it. Thank you for sharing your experience; working together has been a pleasure!
Couldn't ask for better assistance!
Reply from Heather Calvo
March 11th, 2026 01:28 PM
I'm pleased to hear that you were satisfied with the assistance, Michelle. It's always my goal to provide support that meets your expectations. Thank you for your kind words!
Heather has excellent communication and expertise. She is patient and thorough. Great to work with!
Reply from Heather Calvo
March 10th, 2026 04:22 PM
Heather, it's wonderful to hear that you found my communication and expertise helpful. I strive to be patient and thorough in all my interactions, so your feedback means a lot. Thank you for sharing your experience with me!
Thanks, this is the second time we have used waterstone and their service has only gotten better . wonderful experience thanks again
Reply from Heather Calvo
March 9th, 2026 04:43 PM
Cody, I'm glad to hear that your experience with Waterstone has been positive not just once, but twice. It’s encouraging to know that our services have met your expectations and even improved over time. Thank you for your continued trust, and...
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Absolutely great experience overall. Heather was professional, efficient, and very communicative throughout the entire process. Took the stress out of what otherwise would have been a very stressful journey. And while I didn't have as much...
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Reply from Heather Calvo
March 9th, 2026 02:37 PM
Marissa, I'm really pleased to read about your positive experience. It's reassuring to know that my communication and efficiency helped make the process less stressful for you. Even though we didn't have much direct interaction with the rest...
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She has been amazing and very helpful and has made this while process a painless as possible.
Reply from Heather Calvo
March 9th, 2026 01:08 PM
Your feedback is valued, Shawn. I'm happy to hear that the process felt seamless for you and that my support was helpful throughout. It's important to me that things go smoothly for my clients, and I'm glad that was your experience. Thank you...
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Great job!!!
Reply from Heather Calvo
March 9th, 2026 05:58 PM
Thank you for your feedback, Terry. I'm glad to know that you had a positive experience. Your words are appreciated!
Execelled all the way to closing. Constant assistance and follow through throughout the whole process to include a much appreciated congratulations on closing day!! I highly recommend Heather as loan origiinator to anyone including friends...
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Reply from Heather Calvo at Waterstone Mortgag...
March 6th, 2026 07:00 PM
I appreciate your kind words, Joseph. I'm pleased to know that the assistance and follow-through provided were helpful to you throughout the process. Thank you for recommending my services to your friends and family; it means a lot to hear...
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The staff was very professional and made our home buying experience easy I would definitely use them again!
Reply from Heather Calvo
February 9th, 2026 05:47 PM
I’m pleased to know that you found the process professional and straightforward, Lance. Making your home buying experience as smooth as possible is always my goal. Thank you for considering working with me again in the future!
Overall we had a great experience, made less stressful with the team we had.
Reply from Heather Calvo
February 2nd, 2026 05:22 PM
It's great to hear that your experience was positive, Shalana, and that the team contributed to reducing stress along the way. I'm glad I could be part of your journey with Waterstone Mortgage. Thank you for sharing your thoughts!
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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