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 the Branch Manager for the Panhandle Region of Waterstone Mortgage and has spent more than two decades helping 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, and a commitment to helping clients achieve their homeownership goals.

A nationally recognized mortgage planning and program guideline expert, Sue has been interviewed by the Wall Street Journal and Good Morning America and has spoken at national mortgage industry conferences. While her experience extends across the country, her heart is firmly rooted in Florida's Emerald Coast.

Sue and her team proudly serve homebuyers throughout Fort Walton Beach, Destin, Santa Rosa Beach, Panama City Beach, Crestview, Niceville, Navarre, and the surrounding communities. She is especially experienced in helping military families stationed at Eglin Air Force Base and Hurlburt Field, understanding the unique needs of active-duty service members, veterans, and their families.

Known throughout the region as "The Condo Queen," Sue has extensive experience with condominium financing, including warrantable and non-warrantable condos, condotels, second homes, investment properties, and luxury residences. She also specializes in 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 it's reviewing refinancing opportunities, helping plan the next move, answering questions about homeownership, or simply being a trusted resource years after closing, Sue remains committed to her clients long after they receive their keys.

If you're looking for a mortgage professional who combines experience, creativity, responsiveness, and genuine care, Sue and her team would be honored to help you every step of the way.

Local expertise. National resources. Personalized service.

Local Mortgage Expertise Along Florida's Emerald Coast

The Sue Botelho Mortgage Team proudly helps homebuyers and homeowners throughout Fort Walton Beach, Destin, Santa Rosa Beach, Panama City Beach, Crestview, Niceville, Navarre, and surrounding Northwest Florida communities. Whether you're purchasing your first home, relocating to the area, buying a vacation property, investing in real estate, or refinancing an existing mortgage, our team has the experience and resources to help.

We work extensively with military families stationed at Eglin Air Force Base and Hurlburt Field, offering specialized knowledge of VA financing and military relocation needs. We also assist buyers seeking condominium financing, waterfront properties, luxury homes, investment properties, condotels, new construction homes, and second homes throughout Florida's Emerald Coast.

If you're searching 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, we're here to help make the mortgage process simple, clear, and successful.

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