Michael Smalley at Waterstone Mortgage NMLS

I am a Senior Mortgage Advisor with Waterstone Mortgage. I joined Waterstone Mortgage in 2012 after seven years of industrial management and one year as an associate in commercial real estate. I am knowledgeable in Conventional, FHA, VA, Medical Professional, and Renovation loans; as well as the...

Kevin Murphy is a graduate of the University of Florida and holds a BS in Finance. Kevin is the managing partner of the Murphy-Owen Home Loan Team of Waterstone Mortgage. As managing partner, Kevin leads the day-to-day production of the Murphy-Owen Home Loan Team...

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