Cole Holmes and his team with Waterstone Mortgage made financing the easiest and most carefree process I have ever experienced. Early in the year, we had gone to our personal bank, who I have banked with for over 30 years, thinking we wanted to remodeled the kitchen with a home improvement loan. Literally 12 weeks later, I still didn't even know if I was approved and had to call to find anything out. As luck would have it, good or bad, it took SO long, that during this time we changed our mind and decided to sell our rural farm and move to the lake. We immediately jumped the gun and started finding property at the lake before we even had our farm on the market. We clearly did not realize what we were doing. I had Cole's contact information and called him for assistance. He was available immediately for us, answered all questions and within literally days and little effort on our part, we were pre-approved and started a journey that he and his team made easy and worry free. Their experience and personal touch was a FAR cry than what I had experienced with our personal bank and they handled everything with expertise and amazing accuracy. They were so precise during the process I knew exactly what to expect and when. They always provided frequent updates and not once did I ever have to call and ask where we were, I knew. Hands down, the fastest, easiest and most personalized financing we have ever experienced. On top of that, he also recommended a wonderful and experience realtor to complete the entire team. I can't thank Cole enough for all he did to help make this a smooth and worry free process. I'm still astonished at just how simple he and his team made this and we are now the proud owners of a beautiful lake home. Thank you Cole and thank you Waterstone Mortgage! We love you guys! read more

As a first time homebuyer, the process of trying to find a good lender was extremely daunting. We asked our realtor if he had anyone he would recommend, and he gave us Cole's name. I sent him an initial email with a laundry list of questions, and Cole responded the next day with detailed answers. Cole and his team could not have done a better job helping us with the pre-approval and mortgage process. They provided updates on the status of the mortgage twice a week (one through email, one via phone call). Cole and his teammate Karen were available for questions everyday at almost any time of day, and they gave us helpful and easy to understand answers and explanations for all our questions (even the "stupid" ones). Also, we received hand-written cards from Cole thanking us for our business and congratulating us at various milestones, a simple personal touch that stood out to me. Cole and Karen went above and beyond to make the whole process of buying our fiirst home as smooth and seamless as possible. I would absolutely recommend Cole and Karen and the rest of the team to anyone looking for a good reliable lender to finance their home mortgage. read more

While shopping for a refinance, we applied with another mortgage loan provider but after comparing terms to Waterstone Mortgage, we decided that they would be our best choice. And were we ever happy that we made that decision. Cole, Karen and their team exceeded all expectations. Beyond excellent customer service, industry knowledge and advanced technology Cole offers passion, honesty and without question he and the entire team at Waterstone are genuinely invested in your success, it shows in all that they do. Waterstone is a value. If you are thinking about making a move I highly recommend that you make your first stop here in your own Southlake backyard. They are the complete package. Cole & Karen will take care of everything as they are networked with the very best realtors, title companies, insurance providers even the best pool builders in the area. Plus, you get a bonus "Market Preview" emailed to you every week if you like. Good stuff! Thank you Cole for navigating a couple of seniors through a stress-less refinance process, you have made a friend. read more

Seriously we cannot recommend Cole and his team enough. We just refinanced and this was the third time we have had the pleasure of working with Cole. As expected the process was streamlined and efficient from beginning to end. Cole is always quick to respond to our questions and takes the time to explain the various options to us. You can tell he wants to help give you all the information needed to make the best decision for your family, he cares about his clients. Karen and team, as always, made the information gathering and approval process so simple and efficient, also taking the time to walk us through any questions. During closing, even our Title company complimented on how much they enjoy working with clients of Cole's as everything is always in order and seamless. Thank you Cole!!! read more

I've had the pleasure of working with Cole and his team for many years now. I continue to refer Cole and his team to my clients because they work so hard to achieve excellence with each and every client. Their communication platform exceeds expectations and my clients appreciate that immensely. They also offer each client multiple mortgage options to help them select the very best financial options. Having a local lender who is personable, knowledgeable, accessible and who offers such a high level of customer service is critical in the home buying process. I have the utmost respect for the entire Holmes-Waterstone Team and I trust them completely. I will continue to highly recommend them! #TeamHolmBee #LenderForLife read more

Being in the title industry, I have the opportunity to work with multiple lenders on real estate transactions. Choosing the right lender is key to having a successful transaction. I have had the pleasure of working with Cole and his team on numerous occasions and they excel to the highest level at what they do. Cole and Karen both have high integrity and are committed to providing the best service possible in each transaction they close. They are honest and hard working. They go above and beyond to communicate with all parties in the transaction and it is clear, their sincere dedication to their customers is the priority for them. I would highly recommend them to anyone who is looking to buy or refinance their home. read more

Cole and his team are hands down the best lenders to work with. From my very first conversation with Cole, all the way to the closing table, I was truly amazed by their level of service. I found myself writing down ideas for how I can implement some of their best practices in my own business. I received a handwritten card in the mail, consistent updates throughout the process, and a catered experience that was not matched by any other lenders I checked into. Cole and his team represent the best of the best in the industry. I won't work with another lender for as long as I can avoid it. Thank you Cole, Karen, and Stephanie for your dedication to your clients. read more

My husband and I were first-time homebuyers with no knowledge of how the whole process even worked. Cole and his team were recommended to us by our realtor, William Henry at Chandler, and we couldn't be happier with the service we received! Cole and his associates were always on top of the ball, keeping us updated, and providing us with information so that we could make the decisions we needed to, but trust them to do their job beautifully from start to finish. We could go on singing their praises, but you really should experience the greatness they have to offer for yourself! Will forever recommend the Waterstone Mortgage team! Thank you to them! read more

As a first time home owner, I feel so blessed to have had Cole Holmes and his team to handle my mortgage. I was so scared from all the horror stories I heard about the process and I kept waiting for the nightmare to begin but it never happened. I couldn't have asked for a better experience, I know that sounds strange for a mortgage company but it's true! Cole's knowledge is second to none, he is honest, caring and that didn't stop once the all papers have been signed, he still checks up on me just to make sure everything is going great. He truly cares and only wants the best, I would NEVER want anyone else handling any future mortgages. read more

Cole and his team were the most attentive and informative group I have ever worked with. I have had an horrible experience the last mortgage and was afraid to go through this process again. They made me feel like I was their only client and worked tirelessly to ensure closing happened exactly as planned. They also send weekly emails to keep me up to date on any forms needed for closing and once loan was funded, I received a message on my phone that everything was done and congratulations. I give them my strongest recommendation and hope anyone needing a loan will work this group of highly professional individuals. Steve S read more

Cole and the Waterstone Team really came through for my wife and I in many ways. Cole communicated clearly and consistently as did the people on his team. Karen was a great listener and made the effort to look into questions my wife and I asked. Kaylee was very friendly and professional in her demeanor and like Cole, very consistent in her communication. The experience with Waterstone was relatively painless. That is quite a statement because taking out a mortgage for a new home generally is an arduous process. The team here is "good people" and I strongly recommend them as a residential mortgage brokerage. read more

My girlfriend and I are first time home buyers and had a great experience with Waterstone Mortgage. Cole and Karen worked quickly when we needed them to and had fantastic communication with us. They answered all questions we had as best as possible. We had a little bit of a hiccup during closing that caused the closing to take an extended amount of time but the mortgage team worked as fast as possible to get everything settled and get us into our new home within the day. Like I mentioned earlier, we are first time home buyers and we were very happy with the experience. Thank you! read more

Cole was the best lender I've worked with. He provided many loan options for the home we were buying and guided us towards the best option for our needs. He was very professional and relational and that made me feel like he had our best interest in mind. He was quick with his responses and pushed to get us to close as quick as possible. He even showed up to our closing so we could meet him and answer any questions we had. He really went above and beyond in everything we asked. You will be my first choice for future home purchases. Thank you Cole and all of the Waterstone team! read more

Outstanding professional service. Cole's team did a fantastic job getting us over the goal line. His staff was courteous and efficient. They were exceptional in communicating progress/challenges timely so that there were no surprises. They were creative in laying out options and opportunities. When I had questions...they responded quickly to inform and advise. I really appreciate know-how and dedication in professional services and Cole was a cut above. I highly recommend his team to others! It's been a pleasure working with them. Karen is a gem. read more

Cole came as a recommendation from my sister, Julie Bird. We took a leap of faith refinancing our mortgage, and it paid off. Cole and his team were attentive, diligent, and extremely professional through every aspect of the process. They helped us get the best rate possible. The weight of a high interest and a long term mortgage are now off of our shoulders. We were able to submit all required information and documents online with ease. Overall, our experience was painless and smooth! We highly recommend Cole and Waterstone Mortgage! -Janie & Dan read more

Cole is great. When my husband and I bought our most recent home Cole helped made it possible--he's a mortgage loan superhero. After our initial closing process ran into a snag, our realtor pointed us toward Cole who was able to swoop in and help us finish closing on time and saved us money. We are so grateful to Cole and his team. But that's not all. Cole has stayed in touch sending cards and regular emails, always making himself available for questions. He truly goes above and beyond. Thanks Cole! #stressfreehomeloans #mylendercole read more

We've closed many deals with Cole and his team. The process was smooth as always. The communication is outstanding and their attention to detail is unmatched. I would not hesitate to recommend any of my clients to Cole or his team as they are personable and caring. They are outstanding at providing our clients with the best possible package that is perfect for their purchase. Cole is a lender for life and continues to develop relationships after the sale. I love working with him and his entire team. read more

Cole Holmes worked with the buyer on my listing in Trophy Club this spring. I was very impressed with Cole's constant communication, which is important not only to the buyer getting the mortgage, but also to the seller & their agent. Knowing where the underwriting stands, and progress during escrow process is invaluable and reassuring to sellers that their home sale is going as planned. I got weekly updates from Cole. I would highly recommend Cole Holmes & Waterstone Mortgage for any home buyer! read more

Cole helped get us a loan on our dream home. His team also informed us daily on the progress and where we were and what we needed to do. It was our first time buying our home and had no clue how it worked and let me just say his team held our hand the entire way and made it super easy. He also got us a killer interest rate that could not be beat. Also they told us our projected closing date from the jump and actually closed it a few days earlier. Customer service is their priority read more