Sue Botelho

Buying a home is one of the biggest financial decisions you’ll ever make, and having the right mortgage professional by your side can make all the difference.

Sue Botelho is Branch Manager for the Panhandle Region of Waterstone Mortgage. Since beginning her mortgage lending career in 1998, she has helped homebuyers, homeowners, real estate agents, builders, and investors navigate the mortgage process with confidence. Known for finding solutions where others see obstacles, Sue has built her reputation on expertise, communication, responsiveness, and a commitment to helping clients achieve their homeownership goals.

A nationally recognized expert in mortgage planning and program guidelines, Sue has been interviewed by The Wall Street Journal and Good Morning America and has spoken at national mortgage industry conferences. Her honors include recognition on National Mortgage News’ Top Producers list, Mortgage Executive Magazine’s Top 1% Mortgage Originators in America list, and Scotsman Guide’s Top Originators and Top Women Originators lists. While her experience extends nationwide, her heart is firmly rooted in Florida’s Emerald Coast.

Sue is an active member of the Emerald Coast Board of Realtors, Realtor Board, Central Panhandle Board of Realtors, and Navarre Board of Realtors. These affiliations keep her closely connected to the real estate professionals and communities she serves throughout Northwest Florida.

Sue and her team proudly serve Fort Walton Beach, Destin, Santa Rosa Beach, Panama City Beach, Crestview, Niceville, Navarre, and surrounding communities. They help clients purchase their first home, relocate, refinance, invest in real estate, or buy a vacation property, waterfront home, luxury residence, new-construction home, or second home.
Sue is especially experienced in serving military families stationed at Eglin Air Force Base and Hurlburt Field. She understands the unique needs of active-duty service members, veterans, and their families and offers specialized knowledge of VA financing and military relocation.

Known throughout the region as “The Condo Queen,” Sue has extensive experience with condominium financing, including warrantable and non-warrantable condos and condotels. Her expertise also includes VA, FHA, conventional, jumbo, construction-to-permanent, non-QM, and investor financing solutions.

What truly sets Sue apart is her belief that the relationship doesn’t end at closing. Her clients often say that “Sue comes with the house.” Whether she is reviewing refinancing opportunities, helping clients plan their next move, answering homeownership questions, or serving as a trusted resource years after closing, Sue remains committed long after her clients receive their keys.

Outside of work, Sue enjoys camping, boating, fishing, and spending time at the beach—activities that reflect her love for the Florida Panhandle and its coastal lifestyle.

If you’re looking for a trusted mortgage lender in Fort Walton Beach, Destin, Santa Rosa Beach, Panama City Beach, Crestview, Niceville, Navarre, or near Eglin AFB and Hurlburt Field, Sue and her team would be honored to make your mortgage experience simple, clear, and successful.

Office hours are Monday through Friday, 9:00 a.m. to 5:00 p.m. CT.

Local expertise. National resources. Personalized service.

Local Mortgage Expertise Along Florida’s Emerald Coast

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License # 41DBO-61189.