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 made the whole process easy to accomplish!
Reply from Heather Calvo
October 4th, 2025 03:02 PM
I'm very pleased to know that the process felt easy for you, Shannon. Thank you for your kind words and for choosing to work with me at Waterstone Mortgage. Your feedback means a lot!
Quick and easy
Reply from Heather Calvo
September 26th, 2025 01:23 PM
I'm glad to hear that your experience was quick and easy, Ashlyn. Thank you for taking the time to share your feedback!
Had a great experience, really nice and responsive
Reply from Heather Calvo
September 3rd, 2025 03:49 PM
I'm pleased to hear that you had a positive experience and found the service responsive and pleasant, Brittany. Thank you for sharing your feedback!
The mortgage process was an extremely straightforward and easy process using Heather and Waterstone. Couldn't have asked for better!
Reply from Heather Calvo
August 29th, 2025 12:06 AM
Jacob, I'm glad to hear that the mortgage process was straightforward and easy for you. It's great to know that you felt satisfied with your experience. Thank you for sharing your feedback!
every question I had Heather was able to answer. She was very timely and organized. recommend anyone to work with Heather who is trying to buy a home
Heather was absolutely the BEST to work with every step of the way. Couldn't have been better!
Reply from Heather Calvo
August 27th, 2025 02:03 PM
Jason, I'm so glad to hear you felt confident and supported every step of the way. It's wonderful to know that your experience was so positive. Thank you for your kind words!
great service and information about the process as we were going along. even got to close early! Loving our new house.
Reply from Heather Calvo
July 28th, 2025 12:44 PM
I'm delighted to hear that you found the service and information helpful throughout the process, Priscilla. Closing early is always a bonus, and I'm so glad you're enjoying your new home. Wishing you all the best as you settle in!
Heather was Absolutely Amazing to work with!! She was there when we needed her the most to help with the purchase of our Deam Home!! Highly Recommend!!
Reply from Heather Calvo
May 20th, 2025 12:56 PM
I'm thrilled to hear that you had an amazing experience with your home purchase. It was a pleasure assisting you, and I greatly appreciate your recommendation.
Heather has helped me purchase 2 homes. both times she went above and beyond to help me get this houses and I am happy. Heather is amazing 🤩
Reply from Heather Calvo
May 18th, 2025 04:26 AM
I'm thrilled to hear that you had such positive experiences with your home purchases, Mario. It's wonderful to know that I could assist you effectively both times. Thank you for your kind words and trust in my services.
Heather is fantastic to work with. She is takes communication seriously and is very proactive to provide information, explanation and answer any questions. She promptly returns calls and made time to help walk us through all of the options....
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Reply from Heather Calvo
May 16th, 2025 01:55 PM
I'm thrilled to hear that you had such a positive experience, Jonathan. It was a pleasure working with you and ensuring all your questions were addressed. I look forward to assisting you with your refinancing needs in the future. 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