Top 5%
Sue Botelho at Waterstone Mortgage NMLS #2625...
Branch Manager
The University of Alabama
Sue Botelho is Branch Manager for Waterstone Mortgage's Panhandle Region with more than 20 years of experience helping homebuyers, homeowners, investors, and military families achieve their goals. Known as the "Condo Queen," she specializes... Show More
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Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
easy not super stressfu.
Reply from Sue Botelho at Waterstone Mortgage ...
July 29th, 2026 06:41 PM
Thank you for the review! We are so happy that you were able to get the house with no money down. Congratulations, and we hope you make lots of memories!
Sue and the entire team at Waterstone Mortgage made my home-buying experience incredibly smooth. As a first-time homebuyer, I expected the process to be stressful, but Sue kept me informed every step of the way and always made me feel confident...
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Reply from Owner
July 29th, 2026 06:45 PM
Wow...thank you so much for taking the time to leave such a thoughtful review!Helping first-time homebuyers is one of the most rewarding parts of what I do, and I'm so happy we were able to make the process feel smooth and stress-free. Buying...
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Sue and the entire team at Waterstone Mortgage made my home-buying experience incredibly smooth. As a first-time homebuyer, I expected the process to be stressful, but Sue kept me informed every step of the way and always made me feel confident...
read more
Reply from Sue Botelho at Waterstone Mortgage ...
July 29th, 2026 06:45 PM
Wow...thank you so much for taking the time to leave such a thoughtful review!Helping first-time homebuyers is one of the most rewarding parts of what I do, and I'm so happy we were able to make the process feel smooth and stress-free. Buying...
read more
tranparency and communication was clear and effective
Reply from Sue Botelho at Waterstone Mortgage ...
July 24th, 2026 04:40 PM
Thank you, Don, and we truly enjoyed working with you! We hope you will enjoy your new home and look forward to making lots of memories there!
We had an outstanding experience working with Mrs. Sue Botelho and the entire mortgage team. From start to finish, the process was smooth, professional, and incredibly efficient. Thanks to Sue's expertise and dedication, we were able to close...
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Reply from Owner
July 24th, 2026 04:41 PM
Wow... thank you so much for taking the time to write this! ❤️Helping wonderful clients like you is exactly why I love what I do. I'm so glad we were able to make the process feel easy—and that we got you to the closing table in just 22 days!...
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We had an outstanding experience working with Mrs. Sue Botelho and the entire mortgage team. From start to finish, the process was smooth, professional, and incredibly efficient. Thanks to Sue's expertise and dedication, we were able to close...
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Reply from Sue Botelho at Waterstone Mortgage ...
July 24th, 2026 11:46 AM
Wow… thank you so much for taking the time to write this! ❤️Helping wonderful clients like you is exactly why I love what I do. I’m so glad we were able to make the process feel easy—and that we got you to the closing table in just 22 days!...
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Sue was wonderful! We didnt get the refinance that that we wanted (market is just not there) , but we got the one we needed.
Reply from Sue Botelho at Waterstone Mortgage ...
July 20th, 2026 05:01 PM
Todd, I appreciate your understanding and kind words. I'm glad we could secure the refinance that met your needs, despite the market conditions. If you have any questions or future needs, feel free to reach out.
The service was okay.
Reply from Sue Botelho at Waterstone Mortgage ...
July 9th, 2026 07:45 PM
Thank you for taking the time to leave a review. I'm sorry to hear that your experience didn't meet your expectations.Our goal is always to provide clear communication and make the mortgage process as smooth as possible, even when circumstances...
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Communication, keeping me informed and answering my questions. Sue and her team was available and responsive throughout the entire process.
Reply from Sue Botelho at Waterstone Mortgage ...
July 7th, 2026 01:22 PM
John: Thank you so much for the wonderful review! It was truly a pleasure working with you. I'm so glad you felt informed throughout the process—that's always one of our biggest goals. We know buying a condo (or refinancing) can come with plenty...
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Great communication
Reply from Sue Botelho at Waterstone Mortgage ...
June 28th, 2026 06:32 PM
Thank you, Tristan! Enjoy your new home!
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About
Sue Botelho is Branch Manager for Waterstone Mortgage's Panhandle Region with more than 20 years of experience helping homebuyers, homeowners, investors, and military families achieve their goals. Known as the "Condo Queen," she specializes in condominium, VA, FHA, conventional, jumbo, construction, non-QM, second-home, and investment property financing. A 2026 Scotsman Guide Top Originator and Top Women Originator, Sue is known for creative solutions, exceptional service, and lasting client relationships. She is a member of the Emerald Coast, Central Panhandle, and Navarre Boards of Realtors and enjoys camping, boating, fishing, and spending time at the beach. Available Monday–Friday, 9 a.m.–5 p.m. ET.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Specialities
Mortgage Loans
Refinancing
Construction to Perm Loans
Real Estate Financing
Lot Loans
VA Loans
FHA Loans
USDA Loans
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Education
- The University of AlabamaAccounting and Business/Management
Positions
- Waterstone Mortgage - Branch Manager Loan OfficerJan 4th, 2010 - Current
Memberships
- Emerald Coast Board of Realtors
- Realtor Board
- Central Panhandle Board of Realtors
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Year Started
1998
Time Zone
Central Standard Time (CST)
Licenses
- NMLS #262520
Achievements
- Interviewed by Good Morning America
- Interviewed by Wall Street Journal as Mortgage Professional
Hobbies
- Camping
- Boating
- Fishing
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Disclaimer
Maine Supervised Lender Branch Licensee #186434. State of Iowa Licensee Exempt.Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License # 41DBO-61189.State of Idaho Licensee Exempt.State of Alabama Licensee Exempt.State of Illinois Licensee Exempt.State of Kentucky Licensee Exempt.Arizona Mortgage Banker Branch License #1050300. 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