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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
Location & Business Hours
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
easy to work with
Reply from Sue Botelho
August 13th, 2025 12:40 PM
Thank you, Christopher, for your concise feedback. I'm pleased to hear that you found it easy to work with me during your mortgage process. Making the experience straightforward and accessible is always my goal. If there's anything more specific...
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Sue and her team are amazing
Reply from Owner
August 5th, 2025 08:15 PM
Dona, we know that the stress of a huge move to FL and relationship changes were weighing heavy on you and we hope that we were able to take some of that stress away! You were so very responsive and we appreciate it more than you know - we...
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Sue went above and beyond to help me through a hard time by making the loan process easy.
Reply from Sue Botelho at Waterstone Mortgage ...
July 31st, 2025 03:18 PM
Dona, I am so happy that you are closed and getting to move into your new home. I know you're going through a tough time and I hope that our little piece in your process helps to ease some of your pain. Thank you for being so responsive and...
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Needed to much information
Reply from Sue Botelho at Waterstone Mortgage ...
August 4th, 2025 01:34 PM
Thank you for sharing your thoughts, Richard. I understand that the amount of information needed can feel overwhelming at times. I strive to make the process as straightforward as possible, but I appreciate your feedback and will consider it...
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Sue and her team were always available, pleasant and made the condo purchase easy for us to understand . Helping us with all the information and staying on task was so important, which without this team would have much harder . Can't say enough...
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Reply from Sue Botelho
August 1st, 2025 12:39 PM
Thank you, Irvings, for sharing your positive experience. I'm glad to hear that I could make the condo purchase process easier and more understandable for you. Being available and pleasant is something I strive for, and it's rewarding to know...
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I had a great experience with Waterstone Mortgage thanks to the professionalism, responsiveness, and support I received throughout the entire process. The team, especially my loan officer Sue, was clear, communicative, and truly helpful every...
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Reply from Sue Botelho
July 19th, 2025 06:50 PM
I'm grateful for your thoughtful review, Marius. It means a lot to hear that my approach made the mortgage process smooth and stress-free for you. I strive to be clear and communicative, so it's wonderful to know that my efforts were valuable...
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The team at Waterstone was amazing from the first time we talked to them tell we closed on r dream home..the was never a time they did not call us back and answer any of r questions ....thanks u so so much for all your hard work.. word can't...
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Reply from Sue Botelho
July 12th, 2025 12:27 PM
I'm incredibly grateful for your kind words, Derek. It's wonderful to hear that you felt well-supported from the start of the process all the way through to closing on your dream home. I take great pride in ensuring that my clients have a seamless...
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It was a blessing that we were referred to Waterstone Mortgage! Sue Botelho & Laura Baldwin are phenomenal in the mortgage industry!!! Being self employed there are many more roadblocks to obtain a mortgage. These two awesome ladies guided...
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Reply from Sue Botelho
July 8th, 2025 12:34 PM
Thank you so much, Allison, for your kind words. It was truly wonderful to work with you on this journey to purchasing your first home. As someone who is self-employed, I understand the additional challenges that can come with the mortgage...
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Sue and Rachel and Laura worked so hard to get me through the process. I am a retiree and have decent income with Social Security and good money in stocks but many lenders will not accept the stocks when doing a mortgage but Waterstone did...
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Reply from Sue Botelho at Waterstone Mortgage ...
June 29th, 2025 09:52 PM
We are so happy to have been able to make this work for you! We love 'thinking outside of the box' and helping our clients to get into a home when others say 'NO". Enjoy your home --- it's absolutely beautiful!!!
Go see Sue at waterstone!
Reply from Owner
June 23rd, 2025 01:36 PM
That means a lot, Aaron! Thank you - it's always a pleasure working with repeat clients and we look forward to doing some more for you in the future! 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