

Stas Tsiperson
Area Manager | NMLS #862597

LET’S GET YOU INTO YOUR DREAM HOME It’s simple to get started on your mortgage journey – whether you’re just looking to get pre-qualified or are ready to submit an application. Just click the button below or submit a contact form to speak w... Show More
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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
Me and my wife just recently purchased a house and all thanks to Nick Totarella and his assistant Austin for making this experience that much better. They were both very easy to reach and responded fast. This being our first home made for new...
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Reply from Owner
January 27th, 2026 03:45 PM
Thanks for choosing Goldwater Bank for your mortgage purchasing needs. We're glad that Austin & Nick could take care of you as mortgage loan professionals. We strive to be the best mortgage lenders in the business! Congratulations on becoming...
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Me and my wife just recently purchased a house and all thanks to Nick Totarella and his assistant Austin for making this experience that much better. They were both very easy to reach and responded fast. This being our first home made for new...
read more
Reply from Owner
January 9th, 2026 10:08 AM
Thanks for choosing Goldwater Bank for your mortgage purchasing needs. We're glad that Austin & Nick could take care of you as mortgage loan professionals. We strive to be the best mortgage lenders in the business! Congratulations on becoming...
read more
Got my home refinanced with Sean Sullivan. Great experience. Everything went smoothly and I wasn't left waiting and wondering what was going on as he kept me posted every step of the way!
Reply from Owner
January 9th, 2026 10:08 AM
Thanks for the nice review Renee, and for choosing Goldwater Bank for your mortgage refinancing goals. We're glad to hear that Sean was able to take care of you as your mortgage loan officer. Communication is definitely key! He said that he...
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Got my home refinanced with Sean Sullivan. Great experience. Everything went smoothly and I wasn't left waiting and wondering what was going on as he kept me posted every step of the way!
Reply from Owner
January 27th, 2026 03:45 PM
Thanks for the nice review Renee, and for choosing Goldwater Bank for your mortgage refinancing goals. We're glad to hear that Sean was able to take care of you as your mortgage loan officer. Communication is definitely key! He said that he...
read more
Nick Totarella did an amazing job of getting me refinanced on my home and was always reaching out to me an letting me know everything that was needed in order to complete the refinance. I would highly recommend Nick with his talent and honest...
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Reply from Owner
January 9th, 2026 10:08 AM
Thanks for choosing Goldwater Bank for your mortgage refinancing goals. We're happy to hear that our Loan Officer Nick was able to take great care of you during the process.
Nick Totarella did an amazing job of getting me refinanced on my home and was always reaching out to me an letting me know everything that was needed in order to complete the refinance. I would highly recommend Nick with his talent and honest...
read more
Reply from Owner
January 27th, 2026 03:45 PM
Thanks for choosing Goldwater Bank for your mortgage refinancing goals. We're happy to hear that our Loan Officer Nick was able to take great care of you during the process.
I had the distinct pleasure of working with both Nick Totarella (Loan Officer) and Bob Phelps, who were both the best! They both were very professional and very willing to accommodate my every request at anytime but most of all, they were very...
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Reply from Owner
January 9th, 2026 10:08 AM
Thank you for choosing Goldwater Bank for your mortgage needs! We're glad that our Loan Officers Nick & Bob were able to assist you, and that you had confidence in their expertise in the mortgage industry.
I had the distinct pleasure of working with both Nick Totarella (Loan Officer) and Bob Phelps, who were both the best! They both were very professional and very willing to accommodate my every request at anytime but most of all, they were very...
read more
Reply from Owner
January 22nd, 2026 12:00 AM
Thank you for choosing Goldwater Bank for your mortgage needs! We're glad that our Loan Officers Nick & Bob were able to assist you, and that you had confidence in their expertise in the mortgage industry.
I have been working with Nick Totarella to get my interest rate lowered. He went above and beyond to make sure everything went smooth. I'm not computer savvy, Nick walked me through it all. It was a pleasant experience. I even recommended my...
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Reply from Owner
January 9th, 2026 10:08 AM
Thanks for choosing Nick & Goldwater Bank for your mortgage refinancing needs. We're very happy to hear that you were able to get a low interest rate for your loan. Nick is one of the best loan officers out there and we strive to be the best...
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I have been working with Nick Totarella to get my interest rate lowered. He went above and beyond to make sure everything went smooth. I'm not computer savvy, Nick walked me through it all. It was a pleasant experience. I even recommended my...
read more
Reply from Owner
January 27th, 2026 03:45 PM
Thanks for choosing Nick & Goldwater Bank for your mortgage refinancing needs. We're very happy to hear that you were able to get a low interest rate for your loan. Nick is one of the best loan officers out there and we strive to be the best...
read more
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About
LET’S GET YOU INTO YOUR DREAM HOME It’s simple to get started on your mortgage journey – whether you’re just looking to get pre-qualified or are ready to submit an application. Just click the button below or submit a contact form to speak with one of our mortgage experts. We’re here to help!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Residential Mortgage Products
LOW CREDIT
CONSTRUCTION
REFIANNCE AND PURCHASE
REVERSE MORTGAGE
FHA VA CONVENTIONAL JUMBO NON QM COMMERCIAL
Conforming Fixed & Adjustable Rate
FHA, VA & USDA
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Memberships
- President's Club
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2003
Time Zone
Central Standard Time (CST)
Licenses
- NMLS: 862597
Achievements
- Top 1% Mortgage Laon Originator
Hobbies
- Travel
- Movies
- Cars
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Disclaimer
© 2024 Cornerstone First Mortgage, LLC. All Rights Reserved. NMLS ID #173855 Equal Opportunity Lender.