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(Open now)
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Reviews from Web
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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She was able to get it done , I have a house I can call home and is now my wifes and mine. Shelby was awesome and her team!
Reply from Shelbey Rivera
April 17th, 2026 02:54 PM
I'm glad to hear that you're happy with your new home, Jarom. It was a pleasure working with you and your wife, and I'm grateful for your kind words about me and my team. If you need anything in the future, feel free to reach out.
Shelbey Rivera kept us informed with every detail of the lending process. Very quick to answere any of our questions and got back to us any information that was needed.
Reply from Shelbey Rivera
March 30th, 2026 08:57 PM
I'm grateful for your kind words, Tammy. Keeping you informed and addressing questions quickly is a key part of ensuring a smooth process, and I'm glad it made a difference for you. If there's anything further you need or any questions arise,...
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Shelby was absolutely amazing!
Reply from Shelbey Rivera
January 19th, 2026 09:20 PM
Your feedback is much appreciated, Shawn. I'm glad to hear you had a positive experience. If there's anything more I can do or any questions you have in the future, don't hesitate to reach out.
Shelbey was so awesome to work with. Buying our first home was something we were very anxious about but Shelbey made the entire process so smooth. She is a great problem solver and was so personable. She even worked around our night shift schedule...
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Reply from Owner
February 3rd, 2026 07:51 PM
I'm pleased you felt supported throughout your home-buying journey, Catie. It was a pleasure assisting you, especially finding ways to accommodate your schedule and ease your anxieties. Knowing you appreciated that personal approach means a...
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Shelbey was so awesome to work with. Buying our first home was something we were very anxious about but Shelbey made the entire process so smooth. She is a great problem solver and was so personable. She even worked around our night shift schedule...
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Reply from Shelbey Rivera - Waterstone Mortgag...
December 5th, 2025 11:42 PM
Catherine, I'm really glad to hear that my efforts made a difference during your home-buying process. Helping first-time buyers and accommodating schedules is something I strive for, so it’s great to know it was beneficial for you. Thank you...
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Shelby is truly amazing. As first time home buyers he made our experience as easy as possible, always available to answer our questions and put us at ease. She has alot of experience and it shows. She worked hard behind the scenes for us, and...
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Reply from Shelbey Rivera
November 17th, 2025 03:37 PM
It's wonderful to hear about your positive experience, Maranda. Supporting first-time home buyers like you is something I really enjoy, and I'm pleased to know that my efforts helped make things easier for you. If there are any more questions...
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Shelbey has always been a pleasure to work with. She is always so helpful and we will keep coming back to her for any home loans we may need.
Reply from Shelbey Rivera
October 27th, 2025 06:07 PM
Thank you for your trust and ongoing support, Ashlee. I'm glad to have been able to assist you, and it's truly a privilege to be your go-to for any home loans. If there's anything more I can do or any questions you have in the future, please...
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Shelbey is just awesome and knowledgable regarding her craft and industry. She is great at keeping things on track and working to completion and making the overall experiance a total pleasure with smiles all around.
Reply from Shelbey Rivera
October 23rd, 2025 05:08 PM
I'm grateful for your kind words, Giao. It’s rewarding to know that my approach helped make your experience enjoyable. Staying on track and ensuring a smooth process are always my priorities. If you need any further assistance or have questions...
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Had a few hick ups like home we where 2 weeks away from closing did not meet loan requirements. Seller listed it wrong. The team to worked hard to get us the next offer we put in in the two week remaining and we where still able able to meet...
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Reply from Shelbey Rivera
October 5th, 2025 04:32 PM
It's great to hear that, despite the initial setbacks, the team and I were able to help you navigate the challenges and meet your deadline. I appreciate your patience throughout the process. If you have any more questions or need further assistance,...
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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