Kimberley Calvo
Loan Originator
San Francisco State University
Kimberley Calvo is dedicated to excellent customer service and is always available for her clients. She combines deep loan product knowledge with a strong work ethic to build lasting relationships. Passionate about providing a seamless digi... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Kimberley is a friend, but she treated us like her most important clients. She is thorough, precise, and a joy to work with. I would never choose anyone else!
Reply from Kimberley Calvo
January 6th, 2026 07:13 PM
Amy - your kind words mean so much to me! It was a pleasure working with you and Larry... I'm so excited for you both to be in SF, closer to family. I will take you up on your Green Chile offer!
Kim was very professional and worked hard for us
Reply from Kimberley Calvo
January 6th, 2026 07:13 PM
I appreciate your feedback and am glad to hear that you found my efforts helpful. Working diligently to support you is always important to me. If there's anything else you need or if you have more questions in the future, please feel free to...
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It was all Kimberly. She was constantly available and helped us at every turn. Her wonderful attitude and helpful disposition made a difficult challenge easy.
Reply from Kimberley Calvo
January 6th, 2026 07:13 PM
Suzanne & Marsha - you both were a joy to help and I'm so very happy that you found a perfect home in New Mexico! Cheers to many years of happiness and I am always available to help you in the future.
Kimberley kept me informed at every step of the process. She was professional while helping me through the process
Reply from Kimberley Calvo
January 6th, 2026 07:13 PM
Lynda - I appreciate your feedback. It's important to me that you felt informed and supported throughout the process. If there are any future questions or if I can assist you in any other way, please feel free to reach out. It was a pleasure...
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From start to finish, Kimberley was so warm, kind, and determined to help us achieve our goal of home ownership. I really appreciated her care and intention to ensure that we were making a decision that would be affordable for us in the long...
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Reply from Kimberley Calvo
January 6th, 2026 07:13 PM
I'm truly grateful for your kind words, and it was my pleasure to assist you through the process. Understanding your goals and ensuring that you're making informed decisions is something I take seriously. I'm glad I could provide the support...
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Kim made my mortgage loan experience a breeze! She is so knowledgeable and responsive to all forms of communication. From start to finish, she was beyond helpful and I will be recommending her and Waterstone Mortgage to anyone that will listen!...
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Reply from Kimberley Calvo
January 6th, 2026 07:13 PM
I'm really glad to hear that you had such a positive experience, Kayla. Making the mortgage process as smooth as possible is always my goal, and your kind words mean a lot to me. Thank you for recommending me and Waterstone Mortgage—it's truly...
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Kim made my mortgage loan experience a breeze! She is so knowledgeable and responsive to all forms of communication. From start to finish, she was beyond helpful and I will be recommending her and Waterstone Mortgage to anyone that will listen!...
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Reply from Kimberley Calvo
January 6th, 2026 07:13 PM
Kayla, thank you for the kind words! You were fantastic to work with, and so responsive! You made my job easy...congrats on the new house!
Very knowledgeable and helpful, would be five stars but several times I would receive an email or my fiance would get an email and the other would not.
Reply from Owner
January 8th, 2026 10:54 AM
Thank you for your kind review, Kyle! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
Kimberley Calvo has received a review with 5 star rating from Luis C
Reply from Owner
January 8th, 2026 10:54 AM
Thank you for the 5-star rating, Luis. Don't be a stranger.
Kimberley Calvo has received a review with 5 star rating from Paul B
Reply from Owner
January 8th, 2026 10:54 AM
Thank you for the 5-star rating, Paul. Don't be a stranger.
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About
Kimberley Calvo is dedicated to excellent customer service and is always available for her clients. She combines deep loan product knowledge with a strong work ethic to build lasting relationships. Passionate about providing a seamless digital mortgage experience, she adds a personal touch to every transaction. As a proud advocate, lender, and member of the LGBTQ+ community, Kimberley is committed to helping others. An avid cyclist, golfer, and scuba diver, she also gives back through her support of local food banks and animal advocacy efforts.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
MFA Loan Products
First Time Homebuyers Kit
Conventional Loans
FHA Loans
Construction Loans
ARMS
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Education
- San Francisco State UniversityClinical/Medical Social Work
- Seattle Central CollegeCulinary Arts/Chef TrainingAssociate of Arts (AA)
Memberships
- CDAR Associate Member
- NMOBA Board Member
- Emergency Preparedness Lead - TPC
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Year Started
2000
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #1974924
Awards
Achievements
- MEM Top 50 Mortgage Companies 2024 https://www.mastermindsummit.com/magazines
Hobbies
- Biking
- Cooking
- Golf
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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