Frances Estrada at Waterstone Mortgage NMLS #1607733

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. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-89060. 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: http://www.waterstonemortgage.com/Disclosures-and-Licenses General Disclaimer: http://www.waterstonemortgage.com/General-Disclaimer

With more than 26 years of experience in the mortgage lending industry, Sue is known for being a strategic thinker and a problem solver. She enjoys navigating her clients through the mortgage process, finding solutions, and providing exceptional customer service, through compassion, education and an empathetic ear. While she’s based in Albuquerque, Sue works with homebuyers in New Mexico, Arizona, Texas, Colorado, California, and Florida. Her favorite part of working in the mortgage industry is seeing the sense of achievement, empowerment, or relief that her customers have when they purchase their first or next homes or when they restructure their mortgage debt. Sue also enjoys working for Waterstone Mortgage, because it offers her an extensive variety of loan programs; this allows her to tailor financing to fit each client’s unique goals. After all, “Home” is where your story begins. When she’s not working, Sue enjoys taking on DIY projects around her home and yard. She and her husband love entertaining with their family, traveling, camping, and checking out the local flea market on weekends. Sue is also actively involved in her community; she has participated in the Albuquerque BioPark Zoo’s “Run for the Zoo” and supported the Albuquerque Public School’s Title One Project for many years. 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 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-89060.

Over the past five years in the financial industry, Julian has crossed paths with many homebuyers – both first-timers and seasoned veterans – and still gets satisfaction from seeing them achieve their homeownership dreams. His priority is to keep his moral compass at the forefront of every transaction; this ensures that at the end of the day, he not only knows he helped someone, but he did it with integrity as well. Born and raised in Albuquerque, Julian enjoys spending time with his family or taking part in outdoor activities (like driving his Jeep or riding dirt bikes) when he’s not in the office. In fact, he is a member of the New Mexico Jeep Club. He is also involved with the Hemophilia Foundation of New Mexico, an organization that helps those affected by bleeding disorders. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Branch License #41DBO-89755. 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 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #41DBO-89060.