Waterstone Mortgage - Dawn Hoffman

Heather Calvo, a Loyola University graduate from New Orleans, has been in the mortgage industry since 2003. Starting in title work before transitioning to loan origination, she now specializes in helping first-time homebuyers navigate the mortgage process with ease. Known for her responsiveness and dedication, Heather is committed to making homebuying a smooth and stress-free experience. Outside of work, she enjoys spending time with her two daughters, who inspire her drive for excellence in both life and career.

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.