Martha Zapata

Before returning to mortgage lending, Martha Zapata spent decades as an educator, nonprofit executive, and small-business advisor, working with individuals, families, and entrepreneurs navigating complex systems. That experience shapes her work today; she believes that informed clients make better long-term financial decisions and that homeownership should be approached as a powerful tool for stability and asset-building.

Martha specializes in working with first-generation homebuyers, self-employed professionals, business owners, and bilingual households who value clear guidance and transparency throughout the lending process. She takes the time to truly listen to her clients’ financial goals, explains all available options, and thoughtfully answers every question to ensure her clients feel informed and confident at every step.

Martha and her clients are supported by an experienced, highly professional team of loan partners at Waterstone Mortgage’s Tulsa Branch.

Martha holds a PhD in Human Sciences from Oklahoma State University and an MA in Organizational Dynamics from the University of Oklahoma. She is fluent in English and Spanish and is proud to serve clients throughout Oklahoma and Arkansas.