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
I have worked with Kimberly on several Transactions! She’s extremely competent and attentive. Always makes time for my clients even in her off time. Every transaction has been stress free and seamless! Will continue to work with her on transactions!...
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Working with Kinberley is amazing. They have helped make my firstchome buying experience a good one. They made sure to find the perfect loan to fit my situation. I would definitely work with them again if I ever buy a home again.
Reply from Kimberley Calvo at Waterstone Mortg...
May 16th, 2022 07:23 AM
Thank you for taking the time to write this recommendation, Susan! 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...
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Kimberley from Waterstone is amazing to work with. This is my first home buying experience and they made it super easy and enjoyable experience. They made sure I got the best home loan for me.
Reply from Owner
January 8th, 2026 10:54 AM
Thank you for taking the time to write this review, Susan! 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...
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Kim is the best! She was with us at every step and provided guidance, reassurance, and support. We highly recommend Kim - exceeded our expectations. Thank you so much!!!
I have worked with Kimberley on several transactions now. She has been so helpful with my clients along with myself. I highly recommend her and Waterstone with your mortgage needs. She saved me quite a bit of money compared to another company....
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Reply from Owner
January 8th, 2026 10:54 AM
Kelli, thank you so much for your kind words. It's an always a pleasure to assist you and your clients. If I can ever be of assistance in the future please, it's my honor to do so!
Kimberly led us through the refinancing journey carefully and thoughtfully, providing answers to questions before we thought of them! We are happy to be on the other side with a new mortgage. Thank you!
Reply from Owner
January 8th, 2026 10:54 AM
Thank you for taking the time to write this review, Janis! A fast and easy refinance 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 Mortgage...
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I enjoyed working with Kim at Waterstone for our refinance. She was thorough, clear and extremely responsive. I appreciated her professionalism and enjoyed getting to know her as well. I would recommend her to anyone looking for loan or refinance...
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Reply from Owner
January 8th, 2026 10:54 AM
Thank you for taking the time to write this review, Roxsan! A fast and easy refinance 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...
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Kimberley was very responsive and helpful throughout the entire refinancing process. She made what seemed like a daunting process very easy to understand and follow. The refinancing, from start to closing, was completed very quickly thanks...
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Reply from Owner
January 8th, 2026 10:54 AM
Thank you for this recommendation, Maribel. We know how many questions pop up throughout a home refinance process – whether it's the first time you're refinancing or you're a seasoned refinancer – that's why communication is key. I hope to...
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Kim was amazing to work with. She was always quick to respond and helpful in answering any questions that we had. The web portals are easy to upload documents to and easy to e-sign through. We were able to get great rates and the process was...
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Reply from Owner
January 8th, 2026 10:54 AM
Thank you Janelle! It was a pleasure working with you and I'm so happy to help you achieve your goals with a shorter term and lower interest rate mortgage. I'm always available to help you with any questions. Be well and thanks again!
I recommend Kim to all of my clients. She is friendly, prompt, and knowledgeable. Kim's communication skills are beyond repair. My clients and myself knew what was going on through out the whole loan process. Kim stayed on top of anything and...
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Reply from Owner
January 8th, 2026 10:54 AM
Such a pleasure working with you Yevonne! I look forward to many more collaborations with you and your clients.
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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