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 a great Loan Orginator. She is dedicated to her clients by helping them achieve being able to own a home. Her team is fantastic at getting tasks completed in a timely manner to close on time. Overall, woderful experience!
Reply from Heather Calvo
May 14th, 2025 11:01 AM
I'm thrilled to hear that you had a wonderful experience and that the process went smoothly. It was a privilege to assist you on your journey to homeownership. Thank you for your kind words about my dedication and the team's efficiency. Your...
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Heather simply made the process pleasant amd took all the stress out of getting a home loan.
Reply from Heather Calvo
May 10th, 2025 01:02 AM
I'm thrilled to hear that I could make the home loan process pleasant and stress-free for you. It was a pleasure assisting you, Joshua. Thank you for your kind words and for choosing Waterstone Mortgage.
Heather with Waterstone Mortgage is professional and gets work accomplished in a streamline process. She is easy to work with, is accessible and gets your questions addressed immediately. Her team is professional, gets tasks completed on time...
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Ms. Heather made this house purchase an easy and flawless experience. From the moment I contacted her to the closing of the house, Heather made it possible for this house purchase an amazing adventure. I also want to highlight the fact that...
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Heather was the most professional and most helpful person to do this in my opinion She took the time to show us the ropes and give us the best advice to help I will make sure when anyone is looking to buy that i point them in her direction
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Reply from Heather Calvo
April 23rd, 2025 03:11 PM
I'm thrilled to hear that you found my assistance helpful and professional. It was a pleasure guiding you through the process, and I truly appreciate your willingness to recommend me to others. Thank you for your kind words and trust in Waterstone...
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From the beginning your guI dance, clarity and communication were top-notch! All communication was professional and you itemized all the documents needed as they were needed. Your expert advice on some debts to pay off/reduce were very helpful....
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Reply from Heather Calvo
April 23rd, 2025 01:44 PM
I'm thrilled to hear that your first-time homebuying experience was smooth and wonderful. It was a pleasure providing guidance and assistance throughout the process. Thank you for your kind words and for trusting me with such an important milestone....
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Heather was so helpful during my entire home buying process and went above and beyond to make sure everything was perfect! Thank you so much for everything and anyone looking for a lender.. I know the right person 😃
Reply from Heather Calvo
April 19th, 2025 12:58 PM
I'm thrilled to hear that your home buying process was seamless and that I could assist you effectively. Thank you for your kind words and for recommending me as a lender. Wishing you all the best in your new home!
Heather was awesome! She kept me informed on everything and made the process so much easier!
Reply from Heather Calvo
April 11th, 2025 01:19 PM
I'm thrilled to hear that you found the process easier with my assistance. Keeping you informed every step of the way was my pleasure. Thank you for your kind words and for choosing Waterstone Mortgage!
Like I reviewed Heather and her team on Google and Zillow, amazing experience and couldn't be happier with Heather/team's professionalism, teamwork, outstanding and timely communication. Outstanding coordination between Waterstone, Realtor,...
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Reply from Heather Calvo
April 8th, 2025 09:11 PM
I'm thrilled to hear about your amazing experience and satisfaction with our team's professionalism and communication. It was a pleasure coordinating with all parties to ensure a smooth process. Thank you for your kind words and for choosing...
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Great customer experience and professional people. Everything was done quickly and correct . There were no surprises or issues throughout. This was the easiest closing and the fastest.
Reply from Kimberley Calvo at Waterstone Mortg...
April 1st, 2025 04:41 PM
Thank you Jackie, It was a pleasure working with 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