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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM(Open now)
Fri
9 AM to 5 PM
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Reviews from Web
Shelbey made the buying process easy and seamless. I can’t thank her enough for everything that she did!
Shelbey was awesome to work with! She answered all of my questions quickly and is very knowledgeable about the industry! Can't wait to work with her again in the future
Reply from Shelbey Rivera
September 28th, 2026 03:38 PM
I'm happy to hear that you found my assistance helpful, Amy. It's wonderful to know that my industry knowledge and prompt responses made your experience with Waterstone Mortgage a positive one. I look forward to working with you again in the...
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The home buying experience was easy and the team was professional. They kept on the ball and answered questions honestly and directly. I would totally recommend using Waterstone Mortgage and retaining Shelbey Rivera.
Reply from Owner
September 28th, 2026 01:20 PM
I'm grateful to hear that your home buying experience was smooth and professional, Justin. I'm pleased that the team at Waterstone Mortgage and I could provide honest and direct answers throughout the process. Your recommendation is truly appreciated....
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Shelby was a consummate professional who always answered all of my questions directly and honestly. She helped me through the process and made it super easy for me to buy my house.
Reply from Shelbey Rivera
September 25th, 2026 07:59 PM
I'm glad I could provide you with clear and honest answers, Justin. It was my pleasure to help make your home buying process with Waterstone Mortgage easy and straightforward.
Shelbey Rivera - Waterstone Mortgage has received a review with 5 star rating from Cassandra G
Reply from Owner
August 17th, 2026 01:07 PM
Cassandra, thank you for the perfect rating! I'm pleased to know you had a positive experience.
Shelby is great! She answered all of our questions & concerns. Very communicative! Explain the home buying process very well especially for first time homebuyers. Definitely recommend! :)
Reply from Shelbey Rivera
August 17th, 2026 05:12 PM
Cassandra, I'm pleased to know that I could assist you with all your questions and concerns during the home buying process. Your recommendation means a lot to me, and I'm thankful for your kind words!
I could not have asked for a better loan officer. Shelbey is professional, courteous and understanding when it came to our loan. She worked tirelessly to make sure our loan was with our budget. I will recommend Shelbey to all that will listen....
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Reply from Owner
July 23rd, 2026 05:12 PM
Steve thank you for the kind words and loved working with you and your family.
Made things super easy, on our schedule, and brought to us . Couldn't ask for anything more .
Reply from Shelbey Rivera
July 29th, 2026 08:55 PM
Joshua, I'm happy to know that I could make things easy and convenient for you. Your satisfaction is important to me, and I appreciate your kind feedback.
Shelbey was a joy to work with
Reply from Shelbey Rivera
July 27th, 2026 06:57 PM
Ralph, I'm grateful to hear that you found it a joy to work with me. Thank you for your kind words!
Shelbey Rivera - Waterstone Mortgage has received a review with 5 star rating from Kate C
Reply from Owner
July 17th, 2026 01:12 PM
Kate, thank you for the 5-star rating. I'm grateful for your support and appreciate it greatly!
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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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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