Karen Johnson at Waterstone Mortgage NMLS #28...
Senior Mortgage Advisor
With over 18 years of experience, Karen Johnson is a trusted mortgage expert and lifelong Central Florida resident. She has built a referral-based business by providing exceptional service to homebuyers, real estate agents, and builders. Ka... 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
Karen was incredible! She went above and beyond, working closely with us through some special circumstances to secure our home loan and get us into our new home fast. We couldn’t have done it without her!
Reply from Owner
September 9th, 2026 03:44 PM
Thank you, David for the wonderful 5-star review and for trusting me with your home loan! Navigating those special circumstances to get across the finish in a brief period of time took teamwork! I'm so glad you are in your new home! Congratulations!...
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Karen was an absolute lifesaver throughout our home buying process! From start to finish, she went above and beyond to qualify us for our home loan and handled every step of the paperwork with incredible speed and accuracy. Her expertise, dedication,...
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Reply from Karen Johnson at Waterstone Mortgag...
September 9th, 2026 03:58 PM
I very much appreciate your wonderful review, David! I'm so glad my team and I could make the loan process smooth and fast to meet your quick timing needs! Enjoy your beautiful home and let me know if you ever need my help in the future.
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Karen was always prompt, professional, and personable in her responses to our inquiries.
Reply from Karen Johnson at Waterstone Mortgag...
July 31st, 2026 04:14 PM
Thank you for your 5-star review and your kind words, Rafael! I am glad you felt satisfied with my communication through the loan process. It was a pleasure to assist you and I appreciate your good communication, too!
Karen provided information on the process and answered all of our questions She truly was a key ingredient in the successful completion of the mortgage closing.
Reply from Karen Johnson
July 31st, 2026 04:23 PM
Thank you for your nice review with a 5-star rating, Tammy! I am delighted that you feel my assistance was key to your positive mortgage loan experience. Should you have questions along the way, I will always be happy to address them!
Karen was an amazing mortgage broker from start to finish. She was knowledgeable, responsive, patient, and always took the time to explain each step of the process clearly. She made what could have been a stressful experience feel smooth and...
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Reply from Karen Johnson at Waterstone Mortgag...
July 13th, 2026 06:51 PM
I am very grateful for your great review and kind words, Susan! Educating my clients, answering questions and keeping everyone informed through the process is top priority for me. Congratulations on your new home and thank you for trusting...
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Karen is very knowledgeable, personable and has amazing skills when it comes to working with buyers. Regardless if they are first time home buyers or know the process, Karen Johnson will get you to closing with warmth and a smile 😃.
Reply from Karen Johnson at Waterstone Mortgag...
July 8th, 2026 05:41 PM
Thank you very much for your kind words and for trusting me with your wonderful clients, Temika! It was my pleasure working with you to get them settled into their new home. I strive to provide an informed and seamless experience and having...
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Karen was great to work with. She walked me through all the steps of the process and was patient with me for my numerous questions. I would work with her again in a heartbeat!
Reply from Owner
July 6th, 2026 02:11 PM
I'm glad to hear that you found the process smooth and that my guidance was helpful. Your willingness to work with me again means a lot, and I appreciate your kind words.
Karen was super helpful and talked me theough the entire process
Reply from Karen Johnson at Waterstone Mortgag...
June 25th, 2026 07:13 PM
Thank you, Kory, for your great review! Learning that you felt helped and informed through the process is what I strive for!
Karen Johnson at Waterstone Mortgage NMLS #289594 has received a review with 5 star rating from Morgan S
Reply from Owner
June 29th, 2026 01:28 PM
Thank you, Morgan, for the great rating. I appreciate your support!
Karen was a consummate professional, very patient and kind throughout the entire process. Very knowledgeable and quick to respond as well!
Reply from Karen Johnson at Waterstone Mortgag...
June 19th, 2026 05:14 PM
Thank you for your 5-star review, Morgan! I am delighted that you enjoyed the experience you had with my assistance. This words mean a lot to me! You can always reach out to me along the way if you have any questions or need anything.
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About
With over 18 years of experience, Karen Johnson is a trusted mortgage expert and lifelong Central Florida resident. She has built a referral-based business by providing exceptional service to homebuyers, real estate agents, and builders. Karen stays up-to-date on industry changes to help clients make informed financial decisions using FHA, VA, USDA, and Conventional loans. Known for her quick, accurate communication, she ensures a smooth loan process from start to finish. Whether buying a home or refinancing, Karen is committed to finding the best mortgage solution for your long-term goals.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Non-QM
Specialities
An array of home loan programs for various purchase and refinance needs.
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Memberships
- NMLS
Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #289594
Awards
Hobbies
- Painting
- Water Activities
- Crafts
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Disclaimer
Licenseed by the N.J. Department of Banking and Insurance. Residential Mortgage Lender Branch Licensee. 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