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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Because this was our first time using a lender, I had many questions, some at 8am and some at 8pm and Heather was ready to help regardless of the time! We are so thankful for everything she has done for us and HIGHLY recommend her!
Heather Calvo and her Waterstone Mortgage Corporation Team, start to finish, are amazing, competent, informative, timely, and an absolute pleasure to work with. I highly recommend Heather and her team for anyone pursuing a home mortgage.Scott...
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Reply from Owner
March 25th, 2025 12:00 AM
Thank you! It was such a pleasure working with you and Jackie.
Heather and her team were efficient, communicative and worked around the clock to get this deal done. They showed what customer service should always be. Thanks for everything!!
Reply from Heather Calvo
March 19th, 2025 04:15 PM
Thank you Elsa, It was a pleasure working with you. I hope yall love the condo.
Great communication , attention to detail, and prompt responses to our questions.
Reply from Heather Calvo
March 19th, 2025 04:31 PM
Thank you! Enjoy the condo!
We have financed through Heather on three occasions and each time she helped guide us through some tricky situations. All in all we have been very pleased with Heather!
I can't recommend Heather enough! I was impressed with her professionalism, knowledge, and attention to detail. As a first-time homebuyer, I had a lot of questions and uncertainties, but Heather patiently walked me through every step of the...
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Heather provided prompt communication, great feedback, and was extremely helpful answering my questions throughout the process. Heather and her team made the home loan process easy and hassle free. I’d recommend Heather and Waterstone to anyone...
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Heather was quick, efficient, knowledgeable, and available to answer any questions I had during my refinance process. Highly recommend working with her and Waterstone!
Recently my wife and I decided to buy our first home, we reached out to several lenders in our area and after speaking with Heather from Waterstone Mortgage we felt like she was the right choice for us and we are so happy that we did. She explained...
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After being recommended to Heather, she was very prompt in helping me get approved for my mortgage loan. Communicated with me through the whole process and was very knowledgeable with any questions I had. I would 100% recommend her to anyone...
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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