Certified Mortgage Planners

Karen Zendels-Hagen began her career in the mortgage industry in 1995. She has consistently worked with top mortgage companies in Mortgage Planning Management and Marketing capacities, as well as co-owned her own Certified Mortgage Planning company before joining Waterstone Mortgage. A lot of people think that Karen is in the business of only doing mortgage loans. She really does not look at it this way. She will be helping you create, perhaps, the largest debt in your life, and therefore she has a responsibility to help you professionally manage that debt. As a Senior Mortgage Advisor, Karen sees her primary role as helping her clients integrate the mortgage loan they select into their overall short and long-term financial and investment goals, along with their payment and equity objectives. Karen will be helping you accomplish these same objectives. Karen’s commitment to excellent service and accomplishing your objectives include: · Quick Service-in house processing, underwriting, and funding ensure mortgages will be ready in weeks, not months · Competitive Pricing-our volumes result in outstanding rates · More Program Options-our lender relationships allow us to offer the most program flexibility, helping us to fulfill your needs · Stable Ownership-we are a wholly-owned subsidiary of Waterstone Bank SSB Karen enjoys travel with her husband, Sean, their cats, Cocoa and Chili, theatre, pinot noir, yoga, and boating on the beautiful west coast of Florida. Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Pewaukee, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/general-disclaimer

With 25 years of diverse experience in the Mortgage Lending Industry, Tammy has dedicated her career to being a master of her trade. She is committed to building lifelong relationships with her clients. Tammy has held positions relating to every aspect of the mortgage process including maintaining her designation as an FHA Direct Endorsement Underwriter with the US Department of Housing and Urban Development for over 10 years. Tammy was born and raised in Pittsburgh, PA where she began her career in the Mortgage Lending Industry. She founded and owned Providence Mortgage Corporation prior to moving to Central Florida 20 years ago with her two young sons, Brandon and Ian. The family relocated to the Sunshine State not only for the healthy lifestyle, pursuing her passion for scuba diving and beautiful beaches, but so she could advance her career by accepting a position with InterFirst/ ABN Amro Bank as a Regional Account Executive. Tammy served on the Board of Directors for The Central Florida Mortgage Bankers Association for 8 years, advancing from Treasurer to President and then continued on as an Elected Regional Governor to the Florida Mortgage Bankers Association. During this period she continued to move forward in her career from the Account Executive position to become a Regional Sales Manager with National City Wholesale Lending. Tammy has seen many changes in the lending arena and has shown the ability to adapt well by maintaining outstanding customer reviews. She joined Waterstone Mortgage as a Senior Mortgage Advisor in 2019 where she continues to provide exceptional service and build relationships by helping families achieve their dreams. Her personal attention to every file assures they are completely satisfied with their mortgage lending experience.Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Pewaukee, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender.All loan requests are subject to credit approval and program guidelines.Information published on this site should not be construed as legal advice or credit counseling.Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate.Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/general-disclaimer

At Waterstone Mortgage, we're dedicated to providing the best mortgage lending experience possible. We know that home purchases are often the largest investments our clients will make in their lifetimes, and we do everything in our power to make each venture memorable and enjoyable. We offer a wide array of unique loan products and we're experts at matching clients up with programs that fit their individual circumstances. When it comes to anticipating needs, answering questions, and providing updates on loan status, we're known for our responsiveness. You'll see the difference in our: - Care for our clients - We're here every step of the way, offering resources to help you understand the loan process and determine which one of our unique mortgage programs is the best fit. - Consistent and transparent communication - You deserve responsive, regular, and helpful communication throughout the loan process. At Waterstone Mortgage, we make it a top priority to communicate often with all parties involved in the transaction. - Variety of lending solutions - With our extensive product variety, including many no-down-payment options, we make it our mission to get as many homebuyers as possible from application to closing as smoothly and quickly as possible. - Cutting-edge technology - Waterstone Mortgage's proprietary, innovative technology simplifies and speeds the loan process. Our team can access the status of a loan anytime, anywhere, and update all parties involved immediately. Developed by information technology professionals with mortgage experience, our technology is second to none. We do what we do because we never forget: home is where the best part of life happens, and you want it to be perfect. So, when you find it - the perfect home - let us help you find the perfect mortgage.Waterstone Mortgage Corporation (NMLS #186434) is headquartered in Brookfield, Wisconsin, and is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF). Equal Housing Lender. All loan requests are subject to credit approval and program guidelines. Information published on this site should not be construed as legal advice or credit counseling. Waterstone Mortgage Corporation is not a licensed real estate broker. Any advertisement on this page is an advertisement for real estate financing only and should not be construed as an advertisement for the sale of real estate. Disclosures & Licenses: https://www.waterstonemortgage.com/policies/disclosures-licenses General Disclaimer: https://www.waterstonemortgage.com/policies/general-disclaimer