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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
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The University of Alabama
The University of Alabama
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  • Encompass
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    James P
    Fort Walton Beach, FL
    Posted on January 9th, 2026 04:57 PM
    The office was low stress, making it easy to apply for my mortgage loan.
    Reply from Sue Botelho at Waterstone Mortgage ...
    January 9th, 2026 05:01 PM
    Congratulations on your new home, and we hope you make some great memories there!
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    Ericka A
    Posted on December 31st, 2025 06:57 PM
    Sue Botelho at Waterstone Mortgage NMLS #262520 has received a review with 5 star rating from Ericka A
    Reply from Owner
    January 8th, 2026 02:47 PM
    I appreciate the positive rating, Ericka. Thank you for your support! If you ever need assistance, feel free to reach out.
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    Ericka A
    Fort Walton Beach, FL
    Posted on December 31st, 2025 06:56 PM
    Very personal and was available no matter time or day I texted or call. Would definitely use her again and recommend her if I know anyone interested in purchasing a home
    Reply from Sue Botelho at Waterstone Mortgage ...
    December 31st, 2025 07:01 PM
    Ericka, we are SO happy to have been able to get this done for you. It's been a long, tough journey but the stars aligned and you now own your own home........and I do mean your OWN home! Enjoy and stay in touch!
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    Tanner J F
    Mary Esther, FL
    Posted on December 31st, 2025 04:26 PM
    The communication was great!
    Reply from Sue Botelho at Waterstone Mortgage ...
    December 31st, 2025 04:28 PM
    Thanks, Tanner! We are thrilled to have been a part of this with you and hope you enjoy your new home for years to come!
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    Jeremy B
    Shalimar, FL
    Posted on December 31st, 2025 04:11 PM
    Sue and her team are always professional and communicate so well. I cannot recommend them enough!
    Reply from Sue Botelho at Waterstone Mortgage ...
    December 31st, 2025 04:21 PM
    We appreciate you so much, Jeremy! This is not our first deal together and you coming back to us says a lot and we love your loyalty! Wishing your family LOTS of great memories in your new home! PS - you are now neighbors with my son and his...
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    Leisa S S
    Radford, VA
    Posted on December 31st, 2025 03:37 AM
    Prompt responses, seamless transitio.
    Reply from Sue Botelho at Waterstone Mortgage ...
    December 31st, 2025 03:40 AM
    I'm glad to hear you experienced prompt responses and a seamless transition, Leisa. It's always my goal to ensure everything progresses smoothly for you. Thank you for the positive feedback, and if there's anything more I can do, please let...
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    David E S
    Radford, VA
    Posted on December 24th, 2025 10:37 AM
    Sue and her team were fantastic. They were very attentive and handled everything quickly and efficiently
    Reply from Sue Botelho
    December 31st, 2025 03:41 AM
    I'm glad you had a positive experience with the attentive service, David. Handling everything efficiently is a top priority for me, and I'm pleased it met your expectations. Thank you for your review, and if you need anything in the future,...
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    Jason E
    Posted on December 18th, 2025 10:40 PM
    Sue Botelho at Waterstone Mortgage NMLS #262520 has received a review with 5 star rating from Jason E
    Reply from Owner
    January 8th, 2026 10:55 AM
    I appreciate the positive rating, Jason. Thank you for choosing to work with me at Waterstone Mortgage. If you ever have further questions or need assistance, feel free to reach out.
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    Jason E
    Defuniak Springs, FL
    Posted on December 18th, 2025 10:39 PM
    Everything was smooth. Fantastic communication across the board, even with a bunch of delays and roadblocks. None due to Waterstone. Thanks for everything!
    Reply from Sue Botelho
    December 26th, 2025 02:18 PM
    I'm pleased to hear that everything went smoothly despite the delays and challenges, Jason. Communication is key in ensuring a seamless experience, and I'm glad it met your expectations. Thank you for your feedback, and if you need assistance...
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    Kenny C
    Posted on November 28th, 2025 09:44 PM
    Sue and her team are experienced professionals, who are very helpful and did great work getting us to the finish line. Very grateful!
    Reply from Owner
    December 31st, 2025 03:41 AM
    Glad to know you found the process with me and my team helpful and professional, Kenny. It's rewarding to hear that our efforts made a difference in reaching the finish line. Your gratitude means a lot, and if there's anything more I can assist...
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  • 81–90 of 281
    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
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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