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Sue Botelho at Waterstone Mortgage NMLS #262520 - Branch Manager in Fort Walton Beach, FL
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Sue Botelho at Waterstone Mortgage NMLS #2625...

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The University of Alabama
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
Company Logo
The University of Alabama
The University of Alabama
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Overall Ratings
4.97
(254)
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Reviews from Web
  • 2.75
    Encompass
    T
    Tyrone W
    Chipley, FL
    Posted on July 7th, 2026 12:21 PM
    The service was okay.
  • 5.0
    Encompass
    J
    John P M
    Panama City Beach, FL
    Posted on July 2nd, 2026 12:49 PM
    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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  • 4.75
    Encompass
    T
    Tristan M
    Fort Walton Beach, FL
    Posted on June 27th, 2026 10:02 AM
    Great communication
    Reply from Sue Botelho at Waterstone Mortgage ...
    June 28th, 2026 06:32 PM
    Thank you, Tristan! Enjoy your new home!
  • 5.0
    google
    M
    Marcella S
    Posted on June 25th, 2026 05:28 PM
    Sue Botelho at Waterstone Mortgage NMLS #262520 has received a review with 5 star rating from Marcella S
    Reply from Owner
    June 28th, 2026 06:32 PM
    Thank you, Marcella!!!!
  • 5.0
    Encompass
    M
    Marcella S
    Davenport, FL
    Posted on June 25th, 2026 05:27 PM
    Sue is highly competent, well-informed, supportive, and prompt . I wholeheartedly recommend her for anyone seeking a seamless transaction.
    Reply from Sue Botelho at Waterstone Mortgage ...
    June 25th, 2026 05:33 PM
    Thank you, Marcella! It's always a pleasure working with a professional Realtor such as yourself and I hope your clients realize how much they benefit from your knowledge and your experience! I look forward to working with you again soon!
  • 5.0
    Encompass
    L
    Larry C
    Davenport, FL
    Posted on June 25th, 2026 12:43 PM
    Great response time and friendly.
    Reply from Sue Botelho at Waterstone Mortgage ...
    June 25th, 2026 12:48 PM
    Thank you for the review! And congratulations!
  • 5.0
    google
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    Michelle H
    Posted on June 19th, 2026 01:42 PM
    What a fantastic team! If there is a way to get you in a home, they will find it!
    Reply from Owner
    June 25th, 2026 12:49 PM
    Thank you, MICHELLE! We were bound to determined that you were going to close on that house! We’re so excited that you’re in your first ever own home! Here’s to making lots and lots of memories!
  • 5.0
    Encompass
    M
    Michelle H
    Plantersville, MS
    Posted on June 19th, 2026 01:41 PM
    What a super team! You can really tell theiseasoned and have a passion for serving their clients to the best of their interests and abilities!
    Reply from Sue Botelho at Waterstone Mortgage ...
    June 19th, 2026 01:52 PM
    Thank you so much, Michelle! We're all so excited to get you and your family into your very first ever OWN HOME! Here's to lots of memories being made!
  • 5.0
    google
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    Nancy W
    Posted on June 1st, 2026 02:44 PM
    She was amazing and I was able to get my house closed at eight working days which is virtually unrealistic, but she did it and I only have to stay in the hotel for a couple of days. I would Definitely recommend her they’re looking for their...
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    Reply from Owner
    June 9th, 2026 02:17 PM
    Nancy, I appreciate your kind words and recommendation. I'm glad I could help you close on your house so quickly, minimizing your hotel stay. If you need any assistance in the future, please feel free to reach out.
  • 5.0
    google
    M
    Mom&Dad L D
    Posted on May 31st, 2026 09:29 PM
    Sue Botelho is remarkable person. I was buying my first home,and her style was smooth with reassuring confidence. I've been blessed to have Sue in my corner as a first time home buyer. JB
    Reply from Owner
    June 8th, 2026 02:23 PM
    Mom&Dad, I'm grateful for your kind words and trust during your first home-buying journey. It's wonderful to know that my approach provided you with confidence and a smooth experience. If you ever need anything in the future, I'm here to help....
    read more
  • 10 of 254
    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
    View All
    749
    /850
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    Education
    • The University of Alabama
      Accounting and Business/Management
      The University of Alabama logo
    Positions
    • Waterstone Mortgage - Branch Manager Loan Officer
      Jan 4th, 2010 - Current
    Memberships
    • Emerald Coast Board of Realtors
    • Realtor Board
    • Central Panhandle Board of Realtors
    • View All

    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
    • View All
    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