Eric Cotter at Waterstone Mortgage NMLS #781324

Eric Cotter at Waterstone Mortgage NMLS #781324 Eric Cotter is a Florida Region Operations & Sales Manager at Waterstone Mortgage in Winter Park, Florida. Branch License .

Eric Cotter was born and raised in Buffalo, New York, and has called Central Florida home for over 40 years. A former collegiate swimmer, he earned a Bachelor of Science in Business with a concentration in Risk Management and Insurance from Florida State University. With more than 25 years in the mortgage industry, Eric was promoted in September 2025 to Florida Region Operations and Sales Manager

at Waterstone Mortgage. Previously a top-producing Senior Mortgage Advisor, he earned President's Club honors for ten consecutive years. Eric is passionate about leadership, mentorship, and building high-performing teams. Outside of work, he enjoys fitness, BBQ, college football, and competitive swimming with USMS. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Washington Consumer Loan Branch Office Licensee -1110569.

Summer may not be over just yet, but are you...☀️ Team Summeror🍂 Team Fall?Would you rather spend the afternoon by the p...
08/31/2026

Summer may not be over just yet, but are you...

☀️ Team Summer
or
🍂 Team Fall?

Would you rather spend the afternoon by the pool or curled up under a blanket with a warm drink?

Tell us which season feels more like home in the comments! 👇

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 ...
08/27/2026

A temporary buydown is a mortgage loan option in which the seller or lender reduces the interest rate for the first 1-3 years of the homebuyer’s loan.

What does this mean for homebuyers?

✅ Buying a house is expensive — you can use this financing option to ease into your mortgage.
✅ Temporary buydowns are especially great for those who don’t want to wait for interest rates to drop to buy a house but would like to take advantage of some savings upfront.
✅ Seller won’t go for it? Consider Smart Start, our LENDER-PAID buydown option.

Learn more: https://bit.ly/45hRPWS

Myth Monday: You need 20% down to buy a home.Many buyers qualify with far less than 20% down — and some loan programs ev...
08/24/2026

Myth Monday: You need 20% down to buy a home.

Many buyers qualify with far less than 20% down — and some loan programs even offer 0% down for those who are eligible.

The required down payment depends on the loan program and your individual situation. 🙌

Don't let this common misconception keep you from exploring your options. You may be closer to homeownership than you think.

Let’s make your move together. Send a message to get started!

Many homebuyers in today’s market are asking: “Is now a bad time to buy a house?” Instead of waiting for rates to drop, ...
08/21/2026

Many homebuyers in today’s market are asking: “Is now a bad time to buy a house?”

Instead of waiting for rates to drop, here's something to consider:

You can buy the home that's right for you now — and if rates improve down the road, refinancing may be an option.

Buying now could allow you to…
🏡 Start building equity sooner
📍 Stop waiting on the sidelines
🔑 Secure the home you want today

Every situation is unique, so it's important to understand your options before making a decision.

Let's talk through what makes the most sense for your goals.

Think student loan debt means homeownership has to wait? Think again.Student loans don't automatically prevent you from ...
08/19/2026

Think student loan debt means homeownership has to wait? Think again.

Student loans don't automatically prevent you from buying a home. Your overall financial picture — including income, credit, assets, and debt — is what matters.

If buying a home is one of your goals, don't assume your student loans have taken it off the table. You may have more options than you realize.

Learn more about how student loan debt can impact the mortgage process: https://bit.ly/4bGpGwe

Sometimes "home" is as simple as a blanket fort in the living room.Because home isn't just a place — it's where life hap...
08/16/2026

Sometimes "home" is as simple as a blanket fort in the living room.

Because home isn't just a place — it's where life happens. It's where traditions begin, milestones are celebrated, and everyday moments become lifelong memories.

If homeownership is part of your next chapter, the right guidance can help make it possible. Let's discuss your options.

Buying your first home can feel like a lot, but it gets a lot less overwhelming once you know what to focus on.From budg...
08/13/2026

Buying your first home can feel like a lot, but it gets a lot less overwhelming once you know what to focus on.

From budgeting and getting pre-approved to understanding your loan options, a little preparation can make a big difference.

Looking for practical advice before you start house hunting? These are tips every first-time homebuyer should know to help make the process a little easier.

Learn more here: https://bit.ly/4wEjttr

Did you know there are thousands of down payment assistance programs available across the country — and you might qualif...
08/10/2026

Did you know there are thousands of down payment assistance programs available across the country — and you might qualify for more than one?

That's where Down Payment Resource (DPR) comes in. It's a free tool that lets you search by location and see the grants, forgivable loans, and assistance programs available in your area — no guesswork required.

A lot of buyers put off homeownership because they think they need more time to save up for the down payment. The truth is, down payment help exists in almost every market, and it's NOT just for first-time buyers — many programs are open to repeat buyers, too.

Your down payment might be closer than you think. Explore your options here: https://bit.ly/4uV5Wfc

People don't buy a house because they want a mortgage — they buy it for moments like family dinners, movie nights, birth...
08/07/2026

People don't buy a house because they want a mortgage — they buy it for moments like family dinners, movie nights, birthday celebrations, and watching their kids (or pets!) make themselves at home.

A home is more than four walls. It's where life happens.

If you're thinking about buying a home this year, let’s discuss your mortgage options and create a plan that fits your goals.

Start by getting pre-approved today. https://bit.ly/4oq3Ly5

Do you have strong savings or investments, but your income doesn’t quite fit the traditional mortgage box? You may still...
08/04/2026

Do you have strong savings or investments, but your income doesn’t quite fit the traditional mortgage box? You may still have home loan options.

At Waterstone Mortgage, we offer a program called Asset Amplify that allows you to use your assets (like savings or investments) to help qualify for a home loan, without needing to move or manage them.

✔ Keep full control of your assets
✔ Use them to strengthen your application
✔ Up to 90% financing available
✔ Loan amounts up to $2M+

This can be a great fit for self-employed buyers, investors, or anyone with a unique but strong financial picture.

Learn more about Asset Amplify: https://bit.ly/4x0KLtA

Address

2699 Lee Road, Suite 600
Winter Park, FL
32789

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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