Top 5%
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
Neal Tipton has received a review with 5 star rating from Becker A
Reply from Owner
January 8th, 2026 11:00 AM
Thank you for the 5-star rating, Becker.
We wouldn't have gotten into our dream home without the help of Neal and Molly and their expertise. Thank you for all your help.
Reply from Owner
January 8th, 2026 11:00 AM
Monica, thanks so much for your review. We are glad to hear you had such a positive experience working with Neal and his team. Congratulations on your new home!
I had the pleasure of working with Diana Rucci at Waterstone Mortgage Corporation and her team (Jessica and Crystal). They were not only highly professional and knowledgeable, but they actually cared about the level of service and checked in...
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Reply from Owner
January 8th, 2026 11:00 AM
Thank you for sharing, Dawn. We're so glad everything went well with Diana and her team. The hear they put into each and every mortgage certainly doesn't go unnoticed! We hope to work with you again in the future.
Neal Tipton and Molly Palensky are an AMAZING team! From the time I contacted Neal for a pre-appoval through closing, they were with me EVERY step of the way! Neal was very responsive and made sure I understood everything. I never went to sleep...
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Reply from Owner
January 8th, 2026 11:00 AM
Thanks for the review, Kanekee! We're glad to hear Neal and the team helped you with a great mortgage loan experience, and kept you up to date on everything. We hope you'll return with any future homebuying or refinancing needs. Thanks again!...
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Molly and Neal were both very helpful and made the process as smooth as possible. I would recommend Waterstone to anyone looking to purchase a home!
Reply from Owner
January 8th, 2026 11:00 AM
Thank you for sharing, Haley. We're thrilled to hear everything went so smoothly with the help of Molly, Neal and the entire Waterstone Mortgage team. We hope to work with you again in the future - don't be a stranger.
Let me just say that I never write reviews. However, my exeperience with Neal and his team (Molly Palensky) was beyond exceptional, I have been telling everyone I know! The home buying process can be very overwhelming especially if you are...
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Reply from Owner
February 27th, 2020 12:00 AM
Wow, what a raving review, thank you for sharing! It sounds like you had the "perfect' first time homebuying experience, thanks to Neal and his team. The knowledge and passion Neal has for his work and customers is second to none. We hope you...
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We have worked with Waterstone in the past when first purchasing our home and the process was a breeze. We used them again when refinancing and the process was just as smooth. Neal will definitely advocate for you when necessary. Definitely...
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Reply from Owner
May 27th, 2026 12:00 AM
We really appreciate you coming back to us for your refinance! It’s always an honor to help past clients again, and I’m glad your experience was smooth from start to finish. Thank you for the recommendation and for continuing to trust me, Molly,...
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Waterstone was referred to me by my realtor. The application process went well. Their web-based technology made it easy to provide information and upload documents. Neal and Molly were very accessible by email and phone. Neal got me a good...
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Reply from Owner
January 30th, 2020 12:00 AM
We are so glad that your realtor referred you to Waterstone Mortgage and that you found the borrower portal user friendly. Making the loan process easy and stress free for our customers, is always one of our top priorities. Thanks again!
I'd worked with Neal before. When looking for refinancing, I called Neal. He's amazing to work with. He's professional, patient, kind, knowledgeable, quick to respond ... great guy!
Reply from Owner
January 10th, 2020 12:00 AM
Having a knowledgeable and professional loan originator by your side makes all the difference; Which you must know since you've worked with Neal in the past. We appreciate you taking the time to write this review and look forward to working...
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Neal and Molly were absolutely amazing! They were always available to answer any questions that I had for them. They made this process extremely smooth for me.
Reply from Owner
October 23rd, 2019 12:00 AM
Thanks for sharing your feedback! Having a smooth mortgage process certainly makes the homebuying experience enjoyable. We're glad you enjoyed working with Neal and his team!
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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