Sue Botelho

Your Trusted Mortgage Expert

For Sue Botelho, there’s nothing more rewarding than helping people achieve their dreams — especially when that dream is homeownership. Over two decades in the mortgage industry, Sue has built a reputation for delivering expert guidance, seamless transactions, and creative solutions that turn challenges into success stories. Whether you’re a first-time homebuyer, a seasoned investor, or looking to refinance, she ensures the process is smooth, efficient, and stress-free.

As the Branch Manager for the Panhandle Region of Waterstone Mortgage, Sue is a nationally recognized mortgage planning and program guideline expert. She has been featured twice in the Wall Street Journal and was interviewed on Good Morning America. She’s shared her insights as a speaker at Mortgage Revolution, a premier national conference for industry leaders.

In the Florida Panhandle, Sue is known as “The Condo Queen”, specializing in financing for condos, condotels, and non-warrantable properties. She stays ahead of ever-changing lending guidelines and helps realtors and buyers navigate the complexities of these unique property types. With a sharp eye for detail and a reputation for getting even the most challenging deals to the finish line, she is a go-to expert for buyers, sellers, and industry professionals alike.

Her background in accounting makes her a go-to expert for self-employed borrowers, ensuring their tax returns are analyzed with precision to maximize their loan options. From VA, FHA, and USDA loans to alternative financing like DSCR and Bank Statement Loans, Sue provides a full range of mortgage solutions tailored to each client’s needs. She thrives on finding "outside-the-box" solutions for buyers who may have been denied elsewhere, turning what seemed impossible into a successful closing.

Sue’s business is 100% referral-based, a testament to her trust and long-term relationships with past clients, real estate agents, financial advisors, attorneys, and title companies. They refer clients to her because they know she delivers results — with a focus on long-term financial success, not just the loan at hand.

Originally from Washington, D.C., Sue attended the University of Alabama before making her way to the Emerald Coast in 1983. When she’s not helping clients, she enjoys camping, football, and soaking up the sun in Fort Walton Beach. A die-hard Florida State Seminoles and Washington Commanders fan, she also loves spending time with her two children and four granddaughters.

If you’re looking for a trusted mortgage expert who brings knowledge, creativity, and a personal touch to every transaction, Sue is ready to help you make homeownership a reality.

Get in touch with Sue today and take the first step toward your mortgage goals!