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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
I've worked with and used Karen Johnson for 3 home purchases since 2011. She is HANDS DOWN a lady-boss and handles business swiftly and accurately every time. I cannot say enough about how professional and amazing she is. She covers all the...
read more
Reply from Owner
January 8th, 2026 10:49 AM
Thank you for taking the time to write this review, Julie! Providing excellent customer service, throughout the homebuying process, is always my top priority. I am glad we were able to provide you with a positive homebuying experience and were...
read more
I've worked with and used Karen Johnson for 3 home purchases since 2011. She is HANDS DOWN a lady-boss and handles business swiftly and accurately every time. I cannot say enough about how professional and amazing she is. She covers all the...
read more
Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for taking the time to write this review, Julie! Providing excellent customer service, throughout the homebuying process, is always my top priority. I am glad we were able to provide you with a positive homebuying experience and were...
read more
Karen Johnson was recommended to me by my realtor and I’m so glad she was! She was incredible to work with!! She was always willing to help answer any and every question that I had. She spent countless hours on the phone with me walking me...
read more
Reply from Owner
January 8th, 2026 10:49 AM
Thank you for your review, Katherine! The team and I were thrilled we were able to provide you with a positive homebuying experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance...
read more
Karen Johnson was recommended to me by my realtor and I’m so glad she was! She was incredible to work with!! She was always willing to help answer any and every question that I had. She spent countless hours on the phone with me walking me...
read more
Karen Johnson was recommended to me by my realtor and I’m so glad she was! She was incredible to work with!! She was always willing to help answer any and every question that I had. She spent countless hours on the phone with me walking me...
read more
Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for your review, Katherine! The team and I were thrilled we were able to provide you with a positive homebuying experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance...
read more
This is the 3rd loan Karen has helped us get over the past many years. Karen is fantastic to work with and I love knowing I have someone trustworthy and excellent to reach out to in this area! I've come to so appreciate people who are great...
read more
Reply from Owner
January 8th, 2026 10:49 AM
Thank you for taking the time to write this review, Camille! Providing excellent customer service, throughout the loan process, is always my top priority. I am glad we were able to provide you with a positive loan experience. I look forward...
read more
Karen is amazing at Waterstone. We have bought a few houses throughout the years, and will always go to Karen- and refer her to anyone. The professionalism and attention to detail is unmatched. We are very grateful for our continued experiences...
read more
Reply from Owner
January 8th, 2026 10:49 AM
Thank you for taking the time to write this review, Scott! A fast and easy homebuying is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and Waterstone...
read more
Karen is amazing at Waterstone. We have bought a few houses throughout the years, and will always go to Karen- and refer her to anyone. The professionalism and attention to detail is unmatched. We are very grateful for our continued experiences...
read more
Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for taking the time to write this review, Scott! A fast and easy homebuying is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and Waterstone...
read more
Karen is hands down the best mortgage broker. She is knowledgeable, personable, responsive, and gets the job done seamlessly and efficiently. Thank you, Karen.
Reply from Owner
January 8th, 2026 10:49 AM
Thank you for your kind review, Darya! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
My husband and I worked with Karen Johnson, and it's been a wonderful experience. As first-time homebuyers, we were very nervous. Karen's expertise and kindness helped us feel comfortable throughout the process. She always had our best interest...
read more
Reply from Owner
January 8th, 2026 10:49 AM
Thank you for this review, Kenyana! I pride myself on providing my borrowers - whether it's their first home purchase or their 10th - with exceptional service and am happy to hear I met your expectations. I look forward to working with you...
read more
41–50 of 61
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.
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Memberships
- NMLS
Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #289594
Awards
Hobbies
- Painting
- Water Activities
- Crafts
View All
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