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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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Sue and Linda were both very professional, made themselves available all hours of the day and night and kept me up to date on how we were progressing, or when we were not. My rationale for not rating 10/10 or Great is because of how many times...
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Reply from Sue Botelho at Waterstone Mortgage ...
November 4th, 2025 02:43 PM
Thank you so much for taking the time to share your experience. We truly appreciate your recognition of the time and communication that went into making this loan happen! Your transaction was indeed one of the more complex ones — involving...
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Smooth process. Highly recommend.
Reply from Owner
November 7th, 2025 01:54 AM
Thank you so very much! Enjoy your new beach property and I hope you make a lot of memories!
Sue was great to work with. She kept us informed along the way and kept everything moving as smoothly as she could. Definitely recommend.
Reply from Sue Botelho at Waterstone Mortgage ...
November 4th, 2025 03:02 AM
Mindy, thank you so very much! I’m so glad to have been a part of this with you guys! I know your family is going to make amazing memories at your new beach property!! Congratulations!
Working with Sue was an absolute breeze! She was quick to respond, super knowledgeable, and kept everything moving smoothly all the way to closing. You can tell she genuinely cares about her clients and getting the job done right. Highly recommend...
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Reply from Owner
November 4th, 2025 02:45 PM
Meagan, Thank you so much for the kind words! It means a lot coming from a Realtor who knows how many moving parts go into getting a deal to the closing table. Communication and teamwork make all the difference, and working with professionals...
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Getting the right loan is a vital part of real estate investing, so choosing wisely is very important. Sue Botelho was an incredibly valuable and trusted guide helping me obtain financing for a vacation rental property at the beach. Thank you...
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Reply from Owner
November 4th, 2025 02:46 PM
John, thank you so much for your kind words — and for trusting me to help with your investment purchase! Coming from someone in real estate, that means a lot. Vacation rentals and investment properties can have some extra layers of complexity,...
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Knowledge and experience are qualities I look for in my advisors and Sue has both in spades.
Reply from Sue Botelho at Waterstone Mortgage ...
November 4th, 2025 02:46 PM
And they’re great qualities in a Realtor, as well! It’s always a pleasure working with you and I’m so excited to have helped on this purchase!
Very Proactive and fast!
professional; good communication from start to finish.
Liked presigning closing docs.
Reply from Sue Botelho at Waterstone Mortgage ...
September 21st, 2025 10:34 PM
We truly enjoyed working with you and Karen on this! I hope you enjoy your new home and don't forget: I'm available to use those double ovens at any time you don't want to use them!!! Congratulations and I hope you LOVE making new memories...
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Excellent communication and finding the best available options to fit our needs! Hands down best experience we've had through many home buying and selling experiences!
Reply from Owner
September 21st, 2025 10:32 PM
I am so very glad that you enjoyed the homebuying experience! We appreciate you and hope we can work together again in the future!
I liked the regular email that showed where things stood. I felt very confident in everyone's abilities and professionalism! Finding a program that fit our needs was such a relief! I've already spoken about our positive experience with others....
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Reply from Sue Botelho
September 5th, 2025 11:09 PM
It's wonderful to hear that you appreciated the regular updates and felt confident in our work, Cynthia. I strive to ensure the mortgage process is as transparent and tailored as possible, so knowing it was a relief for you is truly rewarding....
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Sue Botelho at Waterstone Mortgage NMLS #262520 has received a review with 5 star rating from Andrew A
Reply from Owner
September 21st, 2025 10:34 PM
Thank you, Andrew!
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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