Sue Botelho at Waterstone Mortgage Florida Panhandle NMLS #262520

Sue Botelho at Waterstone Mortgage Florida Panhandle NMLS #262520 With Waterstone Mortgage, you get the best of both worlds: The Security and Power of a Big Bank Combi We believe that communication is critical.

NMLS #262520

My team and I are purchase mortgage experts and we don't take commitment dates and contract closing dates as "suggestions"! We are experts at closing your loan on time with the least amount of stress possible. Our primary mission is 100% satisfaction to our clients and to our referral partners. We provide consistent, weekly updates, extremely quick response times, knowledgeable answers, creative problem-solving skills, and clear communication. Working with my local referral partners, my goal is to assist Realtors in our area to grow their business through education and information. I feel that if the Realtors are armed with current knowledge of the mortgage industry, they are more likely to make a sale with a buyer or seller that they are working with. In these economic times, it is important for all of us to work together to help our local market. One of the Realtors that refers me her business once said that she does that because I treat "millionaires the same way that I do people who are making minimum wage!" I believe that everybody should be treated equally in the process. I find that having a background in accounting and my previous work history with a builder/developer helps me to fit my clients into a program that works best for them, rather than just being a data entry clerk and quoting a rate for any program that may or may not work. It is the long-term financial goals of my clients that guide us through the process to get them headed to where their dreams are! Waterstone Mortgage Corporation is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF).

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a ...
09/28/2026

Mortgages aren’t “one-size-fits-all.” Your financial situation is different from the next homebuyer’s, so you deserve a mortgage program that’s tailored to your unique needs.

That’s where Waterstone Mortgage comes in. 💡🏡

Take a look at our specialty loan offerings to get a glimpse into the kind of solutions we proudly provide: https://bit.ly/4it4RZx

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage opt...
09/28/2026

If you think being self-employed makes it harder to buy a home, think again! 💡 Here’s a simple, streamlined mortgage option for you.

Waterstone Mortgage’s Statement Select uses your bank statements to help you qualify — no W-2 or tax returns required.

Start by exploring your options here, or send a message any time to chat. https://bit.ly/3S9uOmg

5.0 star review received on Experience.com for Sue Botelho by Andrea E - Thank  you  SO  SO  SO  MUCH  Sue!!!  I  cannot...
09/26/2026

5.0 star review received on Experience.com for Sue Botelho by Andrea E - Thank you SO SO SO MUCH Sue!!! I cannot express my gratitude for your help enough. You got me a better rate for my loan AND better insurance to cover it, too!! Your entire team worked diligently to get my documents submitted and to get the loan closed. I had an experience that was professional, affordable and fast. Cant ask for much more than that!! Thank you Sue!!!

Read more: https://experience.com/reviews/sue-botelho-403964/2294ae65-032d-48a7-8d19-afb5ce108ee8?V=1790444792&utm_source=facebook&utm_medium=autopost&utm_content=13675584

Looking for ways to make homeownership more affordable? A temporary buydown could help.A temporary buydown may be a smar...
09/24/2026

Looking for ways to make homeownership more affordable? A temporary buydown could help.

A temporary buydown may be a smart way to lower your monthly mortgage payment during the first 1-3 years of your loan. It can help you save money upfront and make the transition into homeownership a little more manageable.

Learn more here: https://bit.ly/4gSrOUx

One of the most common mortgage myths: You need 20% down to buy a house. This is FALSE! Many programs require as little ...
09/22/2026

One of the most common mortgage myths: You need 20% down to buy a house.

This is FALSE! Many programs require as little as 3-5% down. Waterstone Mortgage even offers several programs with NO down payment requirement.

On top of that, you may qualify for assistance to help cover your down payment and/or closing costs, decreasing your out-of-pocket costs even further.

Homeownership can be closer than you think. 💭🏠 Send a DM to chat about your options.

Thinking about buying a home? Getting pre-approved can help you understand your budget before you start shopping.Here's ...
09/19/2026

Thinking about buying a home? Getting pre-approved can help you understand your budget before you start shopping.

Here's what you'll likely want to have ready:
📄 Recent pay stubs
💰 Bank account statements
📑 W-2s and/or tax returns (if applicable)
🏦 Information about your assets and debts
🪪 Government-issued photo ID

Every homebuyer’s situation is unique, so additional documentation may be needed.

Save this post for when you’re ready to start your house hunt, or share it with someone who’s starting theirs!

Dreaming of celebrating the holidays in a new home?The fall season is a great time to start planning if you'd love to sp...
09/16/2026

Dreaming of celebrating the holidays in a new home?

The fall season is a great time to start planning if you'd love to spend the holidays making memories in a new place.

Buying in the fall often means less competition, more negotiating power, and sellers are more motivated.

Plus, getting started now gives you time to plan your move before the holiday rush.

If buying a home is on your holiday wish list, let’s take the first step in your journey together. Send a message to discuss your options.

One of the biggest topics homebuyers have questions about? Credit. 📈Your credit score is one of several factors lenders ...
09/13/2026

One of the biggest topics homebuyers have questions about? Credit. 📈

Your credit score is one of several factors lenders consider during the mortgage process. While a higher score may help you qualify for more favorable loan options, there are loan programs available for a wide range of credit profiles.

A few ways to strengthen your credit:
✔ Pay bills on time.
✔ Keep credit card balances low.
✔ Avoid opening multiple new accounts before applying for a mortgage.
✔ Review your credit report regularly for accuracy.

Learn more about how your credit score impacts your mortgage here: https://bit.ly/4glDE9N

5.0 star review received on Experience.com for Sue Botelho by Edna C - Sue  and  her  team  was  great.  My  husband  an...
09/13/2026

5.0 star review received on Experience.com for Sue Botelho by Edna C - Sue and her team was great. My husband and I were jist a first time home buyer and he helped us with everything that we needed and always ready to answer questions that we had. Our Home buying experience was great. I would definitely recommend her and her team.

Read more: https://experience.com/reviews/sue-botelho-403964/1ed149a3-3435-4e01-b277-52b7d86ee8bf?V=1789302981&utm_source=facebook&utm_medium=autopost&utm_content=13641674

Address

123 Staff Drive Northeast
Fort Walton Beach, FL
32548

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+18503441780

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