Heather Calvo at Waterstone Mortgage NMLS #1017546

Dawn Hoffman has 25 years of experience in the mortgage industry, specializing in VA lending. She is passionate about helping first-time homebuyers achieve homeownership. Based in Fort Walton Beach, she actively volunteers in her community and serves on local charitable boards. A Wesleyan College and Washington State University graduate, Dawn lives in Niceville with her two rescue dogs and four rescue cats.

Sue Botelho loves helping people achieve their dreams — especially homeownership. With over 20 years in the mortgage industry, she’s built a reputation for expert guidance, creative solutions, and seamless transactions. As the Branch Manager for Waterstone Mortgage’s Panhandle Region, she’s a nationally recognized mortgage expert, featured in the Wall Street Journal and Good Morning America. Known as “The Condo Queen,” Sue specializes in financing condos, condotels, and non-warrantable properties. A trusted resource for self-employed borrowers, she offers tailored solutions, from VA and FHA to DSCR loans. Originally from D.C., she now enjoys life on Florida’s Emerald Coast. Reach out today!

Joe Kimball is a dedicated mortgage professional who values integrity, excellence, and personalized service. With a deep commitment to understanding his clients' needs, he strives to provide insightful guidance to help them achieve their financial goals. A Milwaukee native who spent decades in California before settling in Florida, Joe brings a wealth of experience and a heart for service, both in his business and his community. When he's not helping clients, he enjoys sailing, traveling, and spending time with his growing family.