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
Yall helped my mom out so well she recommended you for my purchase and everything was so simple with all the guidance!
Reply from Heather Calvo
January 20th, 2026 03:23 PM
Bianca, it's wonderful to know that your mom's recommendation led you to work with me and that the process felt straightforward with the guidance provided. I'm glad I could help make your experience a smooth one. Thank you for sharing your...
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Heather and the whole Waterstone team were incredibly helpful and informative all throughout our homebuying/loan application process. This is our second time using her and I'd definitely do so again. Thank you, Heather!
Reply from Heather Calvo
January 13th, 2026 04:18 PM
I appreciate your kind words, John. It’s a pleasure to hear that you found the support from me and the team at Waterstone Mortgage helpful and informative during your homebuying and loan application journey. I'm grateful for your continued...
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Heather was helpful and patient with us while we were navigating our house buying journey . We were buying a house out of state and we're first time parents, so we had a lot on our plate but Heather made the process as easy as possible.
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Reply from Heather Calvo
January 12th, 2026 07:52 PM
I'm glad I could assist you during your house-buying journey, Cassandra. Navigating such significant life changes, especially buying a home out of state while becoming first-time parents, can indeed be overwhelming. I'm pleased to know that...
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Heather made everything proceed seamlessly. As a first time home buyer there were some nerves, but they were immediately eased with Heathers very positive and frequent check ins over the process of purchasing our first home.
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Reply from Heather Calvo
December 17th, 2025 02:42 PM
It’s great to hear that I could help make your first home-buying journey smoother, Ashley. I understand that it can be a bit nerve-wracking, and I'm pleased that my regular check-ins helped put you at ease. Thank you for choosing to work with...
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I had such a great experience with Waterstone Mortgage because they were always easy to reach and communicated very quickly. If I had any questions, they were always willing to explain the situation and made the home buying process very easy!...
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Reply from Heather Calvo
December 15th, 2025 07:32 PM
I'm pleased to hear that your experience with Waterstone Mortgage was positive, Alexandria. Effective communication and accessibility are priorities for me, so it's wonderful to know they contributed to making your home-buying process straightforward....
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Heather was always one step ahead and had an answer to every questio!
Reply from Heather Calvo
November 25th, 2025 04:42 PM
I'm glad to hear that you felt well-supported and that I could provide the answers you needed throughout the process, Amee. It's important to me to stay proactive and make the experience as smooth as possible. Thank you for choosing Waterstone...
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First time buying a home. Everything went very smooth.
Reply from Heather Calvo
November 10th, 2025 02:18 PM
I'm happy to hear that your first home-buying experience went smoothly, Kimberly. It's rewarding to know that I could be a part of this exciting milestone with you. Thank you for trusting me at Waterstone Mortgage for such an important journey....
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Heather was incredible to work with! She made the lending process smooth and stress-free, always taking the time to explain everything and answer all our questions. She went above and beyond to make our dream of owning a Florida home come true....
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Reply from Heather Calvo
November 3rd, 2025 09:51 PM
It's truly gratifying to hear that you had such a smooth and stress-free experience, Joanna. I'm glad I could assist with your questions and help make your dream of owning a home in Florida a reality. Thank you for placing your trust in me...
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Heather answered every question i had and worked hard to get me the best loan to work for me. Thank you!!!
Reply from Heather Calvo
October 30th, 2025 07:54 PM
I'm really pleased I could assist with all your questions and help secure the right loan for you, Candace. It's important to me that you feel confident throughout the process. Thank you for choosing to work together at Waterstone Mortgage!
Heather was very helpful. Great communication throughout the entire process. She made each step of the way easy for us to navigate. It felt like she made sure that everything was taken care of in a timely manner.
Reply from Heather Calvo
October 5th, 2025 12:20 AM
I appreciate your feedback, Ryan. It's wonderful to know that you found the communication clear and helpful throughout the process. Ensuring everything moves smoothly and efficiently is a priority for me, and I'm glad it made a difference for...
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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