Ruckel Properties Inc. Real Estate and Development Lenders

Waterstone Mortgage

  • NameSue Botelho
  • Phone850-362-6901
  • Fax850-362-6905
  • Get Started

Ask A Mortgage Question


Welcome! My name is Sue Botelho and I am looking forward to being your Mortgage Lender and real estate resource in Northwest Florida. I specialize in condominium loans, VA loans for veterans and active servicemen and second home/investor purchases for those of you wanting to own real estate in our little piece of paradise.

You only think about home financing a few times during your life and my team and I think about it every single day. Your home, townhome or condo is one of your largest financial investments. Trust the Sue Botelho team and our proven track record to help guide you through the process and get you into your new property smoothly and efficiently.

I have built a 100-percent referral-based business, relying on past clients and realtor referral partners, as well as financial advisors, accountants, attorneys, and title companies who recommend me to buyers because of positive past experiences with myself and with my team. The Sue Botelho Mortgage team works hard to get their clients the mortgage that best fits their long-term financial goals. I am a member of the Emerald Coast Board of Realtors Professional Development Committee, and am very involved in the annual Toys for Tots drive. I am a past President of the Ft. Walton Beach Chapter of Referral Lenders International, a member of several local Chambers of Commerce, and am involved in Referral Leaders International.

Whether you're looking to buy your first home, purchase a new vacation home, secure a property for investment, or restructure your mortgage, my team and I have the experience, expertise, and personal touch to bring it all together and make the process as stress free as it can be by being knowledgeable on the front end!

Head over to our website to fill out an application, or look through our free resources. You are more than welcome to download my mobile app, which puts you in direct contact with me, allows you to do an application, or let's you calculate monthly payments as you are out looking at property to let you know if you want to make an offer on a property. You can download my app to your mobile device at

With over 18 years experience in the Florida real estate market, I've developed an invaluable network of competitive lenders to help you find the best possible mortgage for your financial situation. My team and I serve the entire state of Florida, helping my clients understand their full range of options before they sign. My reviews speak for themselves!

About Ruckel Properties Inc. Real Estate and Development

Ready to help you find your dream Home on the Emerald Coast. Serving Niceville, Destin, Miramar Beach, Valparaiso, Santa Rosa Beach, 30A, Okaloosa Island, Fort Walton Beach, Shalimar, Navarre, Mary Esther, Crestview, Baker.