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At Waterstone Mortgage, we take the confusion and anxiety out of the mortgage process so you have a clear path to your dream of homeownership.

We believe our job is to help you enjoy the homebuying experience – not to keep you waiting and wondering about the status of your loan. We take care of as much as possible up front, so when we tell you “yes”, we mean it.

That’s how we’ve continued to grow and stand out in our industry – by doing what’s right for our customers. We’ll help you every step of the way, from application to moving day.

Here’s what our commitment to excellence means for you:

  • 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.

Contact me today and discover how close you are to achieving your homeownership dreams!



As a first-time homebuyer I did not have the slightest idea where to begin in the homebuying process. I made a phone call on a whim and luckily Tommy answered! He explained everything to me, responded to my questions, and concerns rapidly no matter the time or day. Working with Tommy definitely made buying a home a lot less stressful than expected. Now my daughter and I have a place to call home, not just another apartment. Tommy will be the first person I call if I’m ever in the market for a new home and I will definitely recommend Tommy to any family or friends looking to purchase a home.

Heather B.



I had the opportunity to work with Tommy Bearint and his staff when I was looking for a mortgage for a home, and I was very impressed with their commitment, responsibility and courtesy. The experience is tough, but they made the journey a lot easier. I don't have reservations recommending Tommy to anyone in the market for a mortgage. Thanks again and hope that I encounter in my life more professionals like Tommy Bearint.
Luis F.



I would like to say I had the most comfortable experience with Tommy at Waterstone Mortgage. Tommy was always on top of my questions, all the transactions were fast and on the time limits he stipulated. Before working with Tommy, I was trying to get mortgage at SunTrust - besides being very impersonal, it took me several months just to find out the townhouse wasn't for me. I was afraid to start all over with a new mortgage company, but Tommy changed my concept and I had  good service and a good interest rate and monthly payment.

Thanks Tommy for your help, excellent service and making me feel I belong somewhere.
Astrid H.



One of the best things that happened to my family this year was to have found Thomas Bearint as our lender. We have been trying for almost a year to obtain a home – with lots of obstacles and disappointments. As soon I was introduced to Thomas, he made me feel confident that we were going to get a house. His approach was always very professional, efficient and solid. Every time a situation arose that needed a solution, he (in conjunction with his wonderful team) always arrived at a prompt solution. He was always available to answer questions and provide counsel.
In this business, there are a lot of people that promise but do not deliver. I recommend Thomas as a professional that takes his duty very seriously and you can feel his passion for helping clients. His contacts in the field are proven. I spent around a year looking, but as soon as I had a phone call with Thomas, everything came to light in one month!
We now own our home and are very happy. The closing went smoothly, and the speed in which Thomas made it happen was a relief and joy for us. I am already recommending Thomas to my friends and colleagues with assurance that he will guide them the same way he guided me.  Thank you Thomas - to you and your team!
Fernando and Evelyn R.



Everyone knows that finding a house can be a stressful undertaking. It was the same for my family when we were looking to buy a new home. Having Tommy Bearint's help lifted an enormous amount of stress off my shoulders. He streamlined the financial process for me (English is my second language so it's hard to communicate sometimes) and was always available when I needed his help or had any questions. Tommy went above and beyond to find my family the perfect loan for our financial situation (which saved my family and I a lot of money, time, and unwanted stress).

The next time I decide to purchase a house again, I'll definitely be sure to give Tommy a call. I strongly recommend anyone buying a house to contact Tommy, you'll be glad you did.

Sherry Y.



I am an active Realtor, operating in the Orlando area for over twenty years. I have been very fortunate to have teamed up with Tommy Bearint of Waterstone Mortgage for the last 10 years. He is a person who works with honesty, integrity and unparalleled customer service.

I advise all of my clients to call Tommy. He will tell you if any financial assistance programs are available, your monthly payments and approximately how much money you would have to bring to the table to close. All my clients have been satisfied with his service, and I have been also.

I know if he does not answer my call, he will call back ASAP, and I tell my clients the same. This is something that is very important to me and my business. I cannot see myself dealing with any other mortgage professional. I tell Tommy he has me "spoiled".


Anthony L.
Realtor, Charles Rutenburg Realty



Where do I begin? I don’t think there are enough words in the dictionary to describe how much my husband and I appreciate Tommy Bearint for his hard work and dedication to making sure we closed on our home loan. Tommy was there for every question or concern we had and every email or phone call was answered within minutes. We’ve never been through this process so there were a few hoops to jump through, but Tommy and his team were prepared for each obstacle. If we had to do this all over again, there’s nothing that would keep me from contacting Tommy. Thanks to him and his team we are now HOMEOWNERS!

Thanks again,

Donielle J.



I recently refinanced my mortgage with Waterstone Mortgage.

I am writing this to note my complete satisfaction with the standard of service that my mortgage broker Thomas Bearint has offered. I had been looking for a mortgage broker to help me with my loan and Thomas came highly recommended by my friends who have also refinanced their home a few years ago.

He was efficient and knowledgeable and gave wise counsel along the way. I was impressed with the level of commitment to his work, as he was always available and returned my calls and texts at any time during the day, even after normal business hours. I appreciated his attention to detail when answering questions and the effort he put into ensuring that my loan closed on time.

This is my fourth time purchasing/refinancing a home and Thomas Bearint has been by far the most professional, efficient and knowledgeable mortgage broker I have worked with. I will most definitely use him in the future and recommend him to anyone that is looking into purchasing or refinancing a home.

Thomas is an asset to your organization and you should feel proud to have him on your team and representing Waterstone Mortgage.

Best regards,
Ramona W.

Contact Information
Tommy Bearint
Sr. Mortgage Originator NMLS: #226071
Office: (813) 523-4804
Cell: (813) 786-1941
Email: Send Email
Copyright © 2017 Waterstone Mortgage Corporation (NMLS #186434) is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF)
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