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
I have chosen to work with Karen together for years as she is friendly, trustworthy, thoroughly detailed, an excellent communicator and a problem solver. Karen has the passion to help buyers achieve their goals and stay within their budget....
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Reply from Owner
June 19th, 2026 05:27 PM
Your meaningful words and 5-star review means so much to me, Jody! Yes, we have worked together for several years helping clients become home owners! Your great, thorough and professional work from your side is a meaningful part of the successful...
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Always a pleasure working together! You always bring buyers prepared crossing to the closing table seamlessly.
Reply from Karen Johnson at Waterstone Mortgag...
June 19th, 2026 05:49 PM
Likewise! It is always a great experience with timely and helpful communication working with you, Jody! I am glad you feel you can depend on me to ensure your buyers are financially prepared for a smooth buying process.
It was such a smooth transaction working with you and your team!!
Reply from Karen Johnson at Waterstone Mortgag...
May 28th, 2026 02:42 PM
Thank you very much for your 5-star review, Kiara! I'm glad you found the process to be smooth with an on-time closing! Your great real estate agent work was a strong part of the successful outcome! Great work!
experience and answers for every question very professional and tell she's motivated and happy with what she's doing. One of the most easiest processes I've ever gone through besides driving through a toll booth with the e pass. We were very...
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Reply from Karen Johnson at Waterstone Mortgag...
May 22nd, 2026 04:48 PM
Thank you very much for your 5-star review even when busy moving! And, you made me laugh with the toll booth analogy! I'm glad both of you were happy with the smooth process. It was my pleasure to assist both of you with your beautiful new...
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Karen was extraordinarily helpful and went out of her way numerous times to make sure that I understood every part of the process and that everything was done in a timely and professional manner. I couldn't imagine a better person to work,...
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Reply from Karen Johnson at Waterstone Mortgag...
May 1st, 2026 04:41 PM
Thank you for the wonderful review, Grant! It was truly my pleasure to answer your questions and provide support through the loan process! You were so very helpful and thorough providing necessary documents! :) I wish you and Lindsey much happiness...
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My experience was great, everything went smoothlyand Karen was always very attentive and helpful in our process.
Reply from Karen Johnson at Waterstone Mortgag...
December 11th, 2025 09:31 PM
Hi Andrea, I am appreciative of your very nice review. I'm glad you were pleased with the attention/communication you received. Your feedback is very rewarding! I would be happy to assist you with any of your future lending needs!
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Karen thank you so much for your help! Couldn’t have done it without you!!!
Reply from Owner
December 8th, 2025 03:51 PM
Hi Andrew, Thank you so much for taking the time and your support to provide your great review! And, over your busy move-in week-end! I'm so glad you are happy with the assistance you received! Your rating & review means a lot to me! I'm here...
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Karen's attention to detail made Our experience about as good as it could have been
Reply from Karen Johnson at Waterstone Mortgag...
December 8th, 2025 03:56 PM
Hi Andrew, I'm so happy to see your 5-star review! I'm also glad you appreciate the detail/communication during the process. Your communication throughout was helpful for me, too! Enjoy your lovely home!
Karen knows her stuff and represents your company well . Quickly and thouroughly responded to any questions we had and made sure the process progressed smoothly.
Reply from Karen Johnson at Waterstone Mortgag...
November 7th, 2025 07:27 PM
Hi Bob, Thank you for taking the time to leave your kind review. I'm glad you felt informed and that you had a smooth experience. Thank you for entrusting me to assist you with your financing needs.
Karen is the best loan officer I have ever worked with she is knowledgeable and takes all the time needed to help her customers. I highly recommend her if you are looking for a great mortgage professional.
Reply from Owner
November 7th, 2025 07:44 PM
Hello Sherri, I thank you for your time to provide a wonderful review! I am so pleased to read your comments and I appreciate your support. It was a true pleasure working with you!
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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