Julie Carlton
Loan Originator
At Waterstone Mortgage, we're dedicated to providing the best mortgage lending experience possible. We know that home purchases are often the largest investments our clients will make in their lifetimes, and we do everything in our power to... Show More
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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
This was by far one of the most difficult lending transactions and Julie and Ray stay the course and handled the situation like true professionals. Even though at one point the client demanded they have no contact with myself, the real estate...
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Reply from Julie Carlton
August 27th, 2026 01:35 PM
Jenn, thank you so much for taking the time to write this review. Sometimes, the road to the closing table is filled with bumps and extremely windy roads (to say the least, haha!!!) but we got it done! You were respectful and patient the whole...
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Julie was amazing! She was always available to help and answer questions along the way and gave us all options and possiblitiies to make our purchase happen.
Reply from Julie Carlton
August 27th, 2026 01:07 PM
Thank you, Kelly for the kind words! It was a pleasure working with you! I wish you guys the best on this new adventure and remember, I am always here for your mortgage needs!
Julie was so personable and amazing throughout the entire process. She kept us in the loop with everything and it truly felt she had our best interest through every step!
Reply from Owner
July 30th, 2026 01:38 PM
Thank you for the kind words, Camille! I am so excited for you and Freddy! Best of luck on this next chapter and always know I am here for you guys!
Julie was so personable and amazing throughout the entire process. She kept us in the loop with everything and it truly felt she had our best interest through every step.
Reply from Julie Carlton
July 30th, 2026 01:38 PM
Thank you for the kind words, Camille! I am so excited for you and Freddy! Best of luck on this next chapter and always know I am here for you guys!
Julie was absolutely wonderful to work with. Throughout each step of the process, her directions were clear, concise, and to the point. She answered every question I had and made sure I fully understood the answer she gave me. She was polite...
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Reply from Julie Carlton
July 22nd, 2026 07:07 PM
Thank you so much, Cam! I loved working with you and I am sooo happy for this next chapter! Best of luck to you and remember I am always available for any questions you may have.
Julie and Ray are wonderful to work with and we thank them for guiding us through this process! With a decision as big as this there can be a lot of stress or unknowns and Julie made me feel very comfortable and understood the pain points we...
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Reply from Owner
July 24th, 2026 01:12 PM
C, I'm grateful for your kind words about working with Ray and me. It's good to know that we could help ease the stress and uncertainties of such an important decision. We're always happy to be available for any questions you might have. Thank...
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Julie and Ray are wonderful to work with and we thank them for guiding us through this process! With a decision as big as this there can be a lot of stress or unknowns and Julie made me feel very comfortable and understood the pain points we...
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Reply from Julie Carlton
July 16th, 2026 03:43 PM
Thank you so much, Christian! It was a pleasure working with you and Kelsi! CONGRATULATIONS on your new home!!! I cannot wait to see it!
Julie did an exceptional job throughout the entir process. High recommend.
Reply from Julie Carlton
May 28th, 2026 02:29 PM
Thank you so much, Dylan! I look forward to working with you in the future!
Julie Carlton has received a review with 5 star rating from Heather M
Reply from Owner
June 4th, 2026 02:31 PM
Heather, thank you for the great rating! I appreciate your support and look forward to assisting you in the future.
Julie was great to work with an responsive. She made the process for my clients smooth and made sure to answer any questions they had!
Reply from Julie Carlton
May 27th, 2026 03:47 PM
Thank you, Heather! I loved working beside you and cannot wait for the next one!
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About
At Waterstone Mortgage, we're dedicated to providing the best mortgage lending experience possible. We know that home purchases are often the largest investments our clients will make in their lifetimes, and we do everything in our power to make each venture memorable and enjoyable. We offer a wide array of unique loan products and we're experts at matching clients up with programs that fit their individual circumstances. When it comes to anticipating needs, answering questions, and providing updates on loan status, we're known for our responsiveness.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Construction Loan
Medical Professional Mortgages
Bank Statement Loans
Specialities
Home Loan Financing
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Year Started
2000
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 2552321
Awards
Disclaimer
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