Shelbey Rivera - Waterstone Mortgage
Loan Officer | NMLS# 1556369
Shelbey Rivera, a Treasure Valley native with deep family roots in lending and building, brings a unique blend of mortgage expertise and construction insight to every client she serves. With experience in creative loan solutions—from 5% dow...... 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
Communication was great and they kept us updated throught the process of our loan.
If you're looking for a mortgage loan officer who is responsive, trustworthy, and truly cares about her clients, I would highly recommend Shelby. Shelby was professional, knowledgeable, and always available to answer questions. She made what...
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Shelbey was great and helped us understand all the technical details. We would 100% recommend d her to all our family and friends. Thank you!
Reply from Shelbey Rivera
June 15th, 2026 06:12 PM
Alex, I'm thankful for your kind words and recommendation. It's wonderful to hear that I could assist you in understanding the technical details. If you ever need further assistance, please feel free to reach out.
Thank you!
Reply from Shelbey Rivera
June 10th, 2026 03:47 PM
Emily, I appreciate your gratitude! I'm happy to have been of help. If you ever need anything else, please let me know.
Flawless effort, easy, and supported
Reply from Shelbey Rivera
June 9th, 2026 03:19 PM
Dakotah, I'm grateful for your positive feedback. It’s nice to know that you found the process easy and supported. If you ever need further assistance, feel free to reach out.
Being self-employed, there are a lot of things you have to do to prove your income. Shelby knew what we needed, knew the nuances of self employed income, depreciation, etc. Communication was great, we were never left wondering what's going...
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Reply from Shelbey Rivera
June 8th, 2026 04:54 PM
Kimberly, I appreciate your kind words and am glad to know that my team and I could support you effectively through the process. Understanding the complexities of self-employed income is something I focus on, and I'm pleased that our communication...
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Shelbey Rivera - Waterstone Mortgage has received a review with 5 star rating from Robert K
Reply from Owner
May 22nd, 2026 02:36 PM
Thank you, Robert, for the 5-star rating! I'm grateful for your support and if you ever need assistance, feel free to reach out.
The open communication was great we felt heard and all our questions were answered.
Reply from Shelbey Rivera - Waterstone Mortgag...
May 14th, 2026 07:22 PM
Robert, thank you for sharing your experience. I'm pleased to know that the open communication helped you feel heard and that all your questions were answered. If there's anything else you need, I'm here to help.
My employer was being extremely difficult trying to show how much my income was, due to driving long haul and stating they couldn't guarantee miles, despite me having a dedicated route and the ability to show consistent income at the same rate....
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Reply from Shelbey Rivera
April 29th, 2026 03:35 PM
Travis, I truly appreciate your detailed feedback and am happy to hear that my support made a difference for you during the loan process. It was important to me to ensure everything was in place despite the challenges, and I'm glad I could...
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Was able to get my in the house we can call home . Very detailed and great at making you feel confident in purchasing a home .
Reply from Owner
April 17th, 2026 03:02 PM
I'm pleased to hear that you feel confident in your new home, Jarom. It was my goal to ensure you felt informed and comfortable throughout the process. If you ever have any questions or need further assistance, please don't hesitate to reach...
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About
Shelbey Rivera, a Treasure Valley native with deep family roots in lending and building, brings a unique blend of mortgage expertise and construction insight to every client she serves. With experience in creative loan solutions—from 5% down construction loans to first-time buyer programs and investment loans—she’s passionate about guiding families with integrity, care, and clear communication. Backed by the support of her husband and two daughters, Shelbey is dedicated to making the homebuying journey confident, seamless, and tailored to each client’s goals.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Mortgage Refinance
Specialities
Conventional Loan
USDA Loan
FHA Loan
First Time Homebuyer
VA Loan
FHA Cash Out Refinance
Home Equity Line Of Credit
HELOC
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Search Rank ScoreLearn More →
547
/850
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Year Started
2000
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS #1556369
Awards
Hobbies
- Travel
- Reading
- Family
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Disclaimer
Idaho Regulated Lender Licensee #RRLB-11133. 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