Kathleen Williams

Mortgage Loan Originator

NMLS# 1066793

I’ve been living in Florida for 30 years and have over 38 years for financial services experience, and over 11 doing mortgage origination. I have held positions with major banking investment institutions in sales, trading and financial advisory roles prior to joining Waterman. I thoroughly enjoy working with my clients and using my years of experience to guide them through the sometimes scary and complex home buying process. I like to make sure my clients can make an educated decision when making the biggest financial investment of their lives. I offer all the traditional Conventional, FHA & VA loan products along with Commercial loans & some out of the ordinary products as well such as Bridge loans, hard money, Construction loans & Portfolio loans. I am also a Homes for Heroes Lender and I can lend in any state as well!

I’ve been married to my husband Kevin for 29 years and have two daughters, Meghan, who also works at Waterman Bank, and Erin who has recently graduated FSU pursuing a career as a residential appraiser. We live on a small farm with 2 horses, 2 dogs and 4 cats. My family and I regularly attend all the local equestrian activities including Polo, Show Jumping and Dressage.

What’s your next move?

Kathleen Williams

Mortgage Loan Originator

I’ve been living in Florida for 28 years and have over 36 years for financial services experience, over ten doing mortgage origination. I have held positions with major banking investment institutions in sales, trading and financial advisory roles prior to joining Waterman. I thoroughly enjoy working with my clients and using my years of experience to guide them through the sometimes scary and complex home buying process. I am happy to help them achieve the American dream of home-ownership! I offer all the traditional Conventional, FHA & VA loan products & some out of the ordinary products as well such as Bridge loans, hard money, Construction loans & Portfolio loans. I am also a Homes for Heroes Lender and offer discounts to Veteran, Police, Fire, Teachers and Healthcare Professionals. I can lend in any state as well!

I’ve been married to my husband Kevin 27 years and have two daughters, Meghan, who also works at Waterman Bank, and Erin, a sophomore at FSU. We live on a small farm with 3 horses, 3 dogs, 3 cats and a few chickens.  My family and I regularly attend all the local equestrian activities including Polo, show jumping and dressage.

What’s your next move?

Kathleen Williams

Mortgage Loan Originator

I’ve been living in Florida for 28 years and have over 36 years for financial services experience, over ten doing mortgage origination. I have held positions with major banking investment institutions in sales, trading and financial advisory roles prior to joining Waterman. I thoroughly enjoy working with my clients and using my years of experience to guide them through the sometimes scary and complex home buying process. I am happy to help them achieve the American dream of home-ownership! I offer all the traditional Conventional, FHA & VA loan products & some out of the ordinary products as well such as Bridge loans, hard money, Construction loans & Portfolio loans. I am also a Homes for Heroes Lender and offer discounts to Veteran, Police, Fire, Teachers and Healthcare Professionals. I can lend in any state as well!

I’ve been married to my husband Kevin 27 years and have two daughters, Meghan, who also works at Waterman Bank, and Erin, a sophomore at FSU. We live on a small farm with 3 horses, 3 dogs, 3 cats and a few chickens.  My family and I regularly attend all the local equestrian activities including Polo, show jumping and dressage.

What’s your next move?

Refinance

There are many reasons to refinance your mortgage, contact us to see if refinance is right for you.

Loan Options

Learn more about all of the loan options that you have when you partner with Waterman Bank.

Fixed Rate Mortgage

A fixed rate mortgage is designed to lock in your interest rate for the entire duration of the loan’s term.  Although US mortgage rates will increase or decrease over the years, you’ll still pay the same interest rate as you did on your first mortgage payment.​

Adjustable Rate Mortgage

An Adjustable-Rate Mortgage (ARM) is loan program that is split into two parts. The rate is fixed in the beginning of the loan and variable for the rest of the loan. This can be a great option for homeowners because it can offer an introductory fixed rate that’s lower than a typical fixed rate mortgage before the variable rate period kicks in.

Renovation Loan

If you can dream it you can finance it. A renovation loan allows you to purchase or refinance a home and pay for future renovations or repairs by wrapping the all those cost into one loan. What makes a renovation loan extra special is that the loan is based on the properties after repair value, that way the buyer can finance the home improvements rather than having to come out of pocket for those costs.​

Bridge Loan

Interest only product with no prepayment penalty, can be used for a plethora of circumstances to “bridge” a gap in time for borrowers to be able to complete transactions in a timely manner. This product is structured to be refinanced into a normal rate and term mortgage as soon as the borrower’s situation is ready/capable of doing so in accordance with conventional lenders

FHA Loan

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. For this reason FHA loans lower minimum requirements relating to credit scores, down payments and debt to income limits, making it an attractive option of first time homebuyers.​

VA Loan

A VA loan is a mortgage loan backed by the U.S. Department of Veterans Affairs for service members, veterans, and their surviving spouses. They offer several advantages traditional loans, including lower interest rates, more lenient borrowing requirements and no down payment due at closing. VA loans also never have monthly mortgage insurance.​

Jumbo Loan

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $647,200 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.​

Specialty Loans

Does your application not fit the box? Whether its 4+ units or unique income situations, we have an array of products to help you close your loan.​

Services

Commercial Loans

Let's Talk!

Contact Me below to start your financial journey
Phone: 561.685.8048
Email: kwilliams@watermanbank.com
Fax: 815.264.3523
NMLS# 1066793
215 S Olive Ave, Suite 401,
West Palm Beach, FL 33401

Kathleen Williams

Mortgage Banker

NMLS#: 1066793

561.685.8048

kwilliams@watermanbank.com

215 S Olive Ave., Suite 101,

West Palm Beach, FL 33401

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