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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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Diana made our firs time home buying experience smooth and easy! She was very knowledgeable and professional. She was always readily available and responded to my calls/emails right away. She was able to get us into our home right in time for...
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Reply from Owner
January 8th, 2026 11:00 AM
Thank you for taking the time to write this review, Miriam. We are happy to hear your first homebuying experience was a smooth and easy process, thanks to Diana. We look forward to working with you again, should you have future homebuying or...
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With finally getting close to finishing moving I can right a review. Neal and Molly were great to work with as a first time home buyer. They let me know everything needed for the process to go as smooth as possible. Which it did. And any questions...
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Reply from Owner
January 8th, 2026 11:00 AM
Thank you for taking the time to write this review, Sean. Communication plays a large role in the homebuying process, so we are happy to hear Neal and his team were there every step of the way. We hope you are enjoying your new home, thanks...
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Neal Tipton has received a review with 5 star rating from Mike S
Reply from Owner
January 8th, 2026 11:00 AM
Thank you for the 5-star rating, Mike. Don’t be a stranger.
Once again the team at Waterstone mortgage has been wonderful for my rental properties as well as my primary mortgages Jeff Leadmon, Teresa and the rest of the team are absolutely amazing they made the process easy and quick I recommend Waterstone...
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Reply from Owner
January 8th, 2026 10:57 AM
Wow, thanks for the glowing feedback Grant! We agree... responsiveness is an essential trait in a loan originator. We're glad Jeff and his team provided you with an amazing refinance experience.
Waterstone Mortgage made the home buying process very smooth. Neal and Molly were extremely informative and helpful.
Reply from Owner
January 8th, 2026 11:00 AM
We are thrilled your home purchase was easy and efficient, thanks to Neal and his team. We look forward to the opportunity of working with you again should you have any purchase or refinance needs in the future. Thank you for this review.
Neal and Molly were so helpful from start to finish in my first ever home buying process. Made the process a lot less stressful then I originally thought it was going to be. Highly recommended them for anyone looking for a loan! Thank you Neal...
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Reply from The Neal Tipton Team - Waterstone M...
May 27th, 2026 06:22 PM
Thank you for letting us be part of your first home purchase! We know the process can feel overwhelming at the beginning, so it’s wonderful to hear that we were able to make it feel much less stressful. Molly and I truly enjoyed working with...
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Neal and Molly are an amazing team. Being a first time homebuyer the process was very overwhelming at first because I had no idea what to expect. Neal and Molly made the process very easy for me and gave me a great interest rate as well! Highly...
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Reply from Owner
December 29th, 2020 12:00 AM
Thank you for your review, Pswag! We're thrilled that Neal and his team were able to provide you with a positive homebuying experience. We look forward to working with you again when the time to refinance or buy a new home is right. Keep in...
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We would not have been able to purchase our home without the Waterstone Mortgage Corporation. Neal Tipton and Molly Palensky were very helpful, and made the home buying stress-free. They’re the best!
Reply from Owner
January 8th, 2026 11:00 AM
Thank you for the five-star review, DaTa! It sounds like your experience with Neal and his team was more than successful. We are glad to hear they were patient and communicated throughout every step of the homebuying process. We look forward...
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Neal Tipton and Molly Palensky were extremely helpful with my home purchase. I would definitely recommended their services to anyone looking to purchase a home.
Reply from Owner
January 8th, 2026 11:00 AM
Thank you for the five-star review, Christine! It sounds like your experience with Neal and his team was more than successful. We are glad to hear they were patient and communicated throughout every step of the home buying process. We look...
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I've used them twice now! Full of knowledge, polite, so easy to work with, and would definitely use them a third time!
Reply from Owner
May 27th, 2026 06:21 PM
Thank you so much! It means a lot that you came back to us a second time, and we’d be honored to help a third. I truly appreciate your kind words and am glad the experience felt easy and well-guided from start to finish!
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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