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Neal Tipton
Branch Manager | NMLS #188890


New York University
Neal Tipton has helped homebuyers and homeowners navigate mortgage financing since 2006. Rooted in Southern Maryland, he specializes in loans for first-time and move-up buyers, VA borrowers, jumbo clients, self-employed borrowers, and inves... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM(Open now)
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
I cannot speak highly enough about Neal Tipton's exceptional expertise, personalized approach, and dedication to his clients. Choosing Waterstone Mortgage and working with Neal was undoubtedly the best decision I made during my homebuying journey....
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Reply from Owner
January 8th, 2026 10:58 AM
We appreciate you taking the time to write this review, Troy! We are happy to hear Neal turned your homebuying experience around, with his professional demeanor and expertise. We hope you are enjoying your new home and look forward to working...
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You won’t find anyone more helpful than Neal in this business! Top notch doesn’t even begin to describe him
Reply from Owner
January 8th, 2026 10:58 AM
Thank you for this glowing review, Blair! We're ecstatic you had such a wonderful experience with Neal. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
Dave was super friendly, knowledgeable and helpful throughout the entire process. Being a first time homebuyer with a ton of questions, Dave had the answers.
Reply from Owner
January 8th, 2026 10:58 AM
Thank you for the 5-star review, Cassie! We are glad to hear Dave helped make your homebuying process stress-free. He is an excellent loan originator and always makes his clients' questions a priority. We hope you continue to work with him...
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Very easy and the people were also great to work with as well
Reply from Owner
January 8th, 2026 10:58 AM
Thank you for this 5-star review, Erin! Here at Waterstone Mortgage, the customer always comes first, and providing excellent customer service is our top priority. Thanks again.
Working with Tom was wonderful. He was very responsive and was always pleasant. If Tom didn’t know or have the answer, he would find it and follow back up. We would Absolutely recommend Tom to anyone we know. I’m not sure that we would’ve ever...
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Reply from Owner
January 8th, 2026 10:58 AM
Thank you for this glowing review, Renee! We're ecstatic you had such a wonderful experience with Tom. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
Put your trust in Jeffrey Leadmon & the Waterstone Mortgage Team! He is professional, patient (we asked many questions) and fights for the best possible option for his clients! He saved us thousands of dollars, made the process easy and made...
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Reply from Owner
January 8th, 2026 10:58 AM
Thank you for taking the time to write this review, Malia! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Jeffrey and his team.
Neal was informative and helpful.
Reply from Owner
January 8th, 2026 10:58 AM
Thank you for this glowing review, Winifred! We're ecstatic you had such a wonderful experience with Neal. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
The lenders, processors, and entire staff are extremely professional and knowledgeable. Their customer service is extraordinary and they always get their clients to settlement on time.
Reply from Owner
January 8th, 2026 10:58 AM
Thank you for this 5-star review, Mike! Here at Waterstone Mortgage, the customer always comes first, and providing excellent customer service is our top priority. Thanks again.
Neal and David were wonderful to work with. They are both so knowledgeable and explained every step of the process in easy to understand terms. The digital resources and tools they utilize make the documentation and application processes so...
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Reply from Owner
January 8th, 2026 10:58 AM
Thank you for taking the time to write this review, Amanda! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Neal and his team.
Tom Stewart is the absolute best lender out there. This was my first home purchase and I had ZERO STRESS. Tom‘s process made it so easy because he did all the leg work upfront so that there were no surprises during the buying process. I felt...
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Reply from Owner
January 8th, 2026 10:58 AM
Thank you for sharing your wonderful experience with us, Kim! It sounds like Tom was there with you every step of the way, to help you achieve your dream of homeownership. Your experience truly shows the dedication Tom has to his customers....
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About
Neal Tipton has helped homebuyers and homeowners navigate mortgage financing since 2006. Rooted in Southern Maryland, he specializes in loans for first-time and move-up buyers, VA borrowers, jumbo clients, self-employed borrowers, and investors. . He holds a BS in Finance and Marketing from NYU. Outside work, Neal enjoys investing, travel, astronomy, rocketry, and LEGO. Neal has held memberships with the Southern Maryland Association of Realtors, Maryland Building Industry Association, and Mortgage Action Alliance, and is registered with the NMLS.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Conventional Financing
FHA Financing
VA Financing
USDA Rural Development Financing
Down Payment Assistance
Maryland Mortgage Program
Construction-to-Perm Financing
Jumbo Financing
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Education
- New York UniversityFinanceBachelor of Science (BS)

Positions
- Waterstone Mortgage - Branch ManagerJun 20th, 2016 - Current
Memberships
- Southern Maryland Association of Realtors
- Maryland Building Industry Association
- Mortgage Action Alliance
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Year Started
2006
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS #188890
Achievements
- 2024 President's Club Platinum Level
- 2023 President's Club
- 2022 President's Club
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Disclaimer
State of Alabama Licensee Exempt. 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