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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
Sue and her team were super helpful throughout the entire loan process. They guided us through all the steps necessary while buying a condo in a state we had never purchased property before. All paperwork provided contained clear, concise instructions....
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Reply from Owner
January 11th, 2023 12:00 AM
Thank you for sharing, Daryl! We're thrilled to hear everything went so smoothly with your loan with the help of Sue and her team. We hope to work with you again in the future.
Sue was amazing. Our loan fell thru with our previous lender 1 week before closing. Sue took over and got everything done in 7 days. We closed on time
Reply from Owner
October 31st, 2022 12:00 AM
Thank you for this review, Jason! A professional, informative loan originator is essential to have by your side, during the loan process. We're glad Sue was there every step of the way to walk you through the loan process. Thanks again.
I was nervous locking in a good rate on my new build, knowing the rates were going up- Sue gave me an amazing rate and locked that rate in to give me peace of mind!!!
Reply from Owner
September 22nd, 2022 12:00 AM
Thank you for this glowing review, Lynn! We're ecstatic you had such a wonderful experience with Sue. We look forward to working with you again in the future should you have any purchase or refinance needs. Thanks again.
We are very happy with Sue Botelho and her crew at Waterstone Mortgage. Our realtor gave us a couple options, but we ultimately decided to contact Sue. We knew it could be iffy since we are self-employed, but she worked with us day and night...
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Reply from Owner
August 22nd, 2022 12:00 AM
Thank you for sharing, Softball! We're thrilled to hear everything went so smoothly with your mortgage with the help of Sue and her team. We hope to work with you again in the future.
Sue and her Waterstone Mortgage Team made a very challenging mortgage approval process as seamless and painless as possible. Sue and her team were extremely diligent, responsive to a fault and on top of the mortgage process from start to closing....
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Reply from Owner
July 18th, 2022 12:00 AM
Thank you for sharing, Mike! We're thrilled to hear everything went so smoothly with your mortgage process with the help of Sue and her team. We hope to work with you again in the future.
Sue and her team helped us to purchase our first home! She made this process smooth and easy. They explained us all different types of loans and helped us choose the best one for us . When I will meet someone looking for a lender, Sue and her...
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Reply from Owner
July 8th, 2022 12:00 AM
Thank you for sharing, Katya! We're thrilled to hear everything went so smoothly with your homebuying with the help of Sue and her team. We hope to work with you again in the future.
This wasn’t the first time we worked with Sue and it definitely won’t be the last. Such an easy transaction, always stayed in touch, let us know from the start exactly what she needed. Sue is a PRO!
Reply from Sue Botelho
May 4th, 2022 12:42 AM
It helps when your clients are prepared and willing to be active participants in the loan process! :)
Water stone mortgage is the best mortgage company that I worked. I am investor, my loan is almost impossible I waste lots of time with other lender. But Sue and team worked very hard and help us out to not to loose my EMD amount. Really appreciate...
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Reply from Owner
May 5th, 2022 12:00 AM
Thank you for taking the time to write this review, Zaheda! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Sue and her team.
Sue & her Team are the best lenders out there! From start to finish they made sure everything went smoothly so we could ensure of my on time closing. Thank you Sue.. Thank you for y’all’s hard work in getting everything done.
Reply from Owner
April 5th, 2022 12:00 AM
Thank you for taking the time to write this review, Russ! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Sue & her team.
I was purchasing a Destin, FL condo -- from Colorado. I knew nothing about FL lending, who to call, etc. My realtor suggested Sue and called her "The Condo Queen." He was not kidding. The transaction was smooth -- but only because she and her...
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Reply from Owner
March 4th, 2022 12:00 AM
Thank you for taking the time to write this review, Stacey! Providing excellent customer service, throughout the process, is always our top priority. We're glad you received nothing but the best from Sue and her team.
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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