Providing financial advice for athletes and first time homebuyers across 48 states*.

MAJOR LEAGUE LENDER
MAJOR LEAGUE LENDER

Helping athletes achieve homeownership

Helping athletes achieve homeownershipHelping athletes achieve homeownershipHelping athletes achieve homeownership
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Helping athletes achieve homeownership

Helping athletes achieve homeownershipHelping athletes achieve homeownershipHelping athletes achieve homeownership
Get Preapproved
Learn More

Major League Lender

Smiling woman in a baseball stadium with baseball gear.

About Me

As a Major League Lender, I specialize in providing financial advice for athletes and structuring home financing for clients with complex income profiles—particularly professional athletes, self-employed individuals, and high-net-worth borrowers. With a deep understanding of contract-based income, bonuses, endorsements, and fluctuating earnings, I’m able to navigate scenarios that traditional lenders often overlook.


I work closely with my clients to design customized lending strategies that align with both their short-term goals and long-term wealth-building plans. Whether it’s providing homeownership assistance to first time homebuyers or structuring loans around seasonal income, leveraging investment opportunities, or optimizing cash flow, my mortgage services go far beyond simply securing a mortgage.


My expertise allows clients to make confident, informed decisions—turning real estate into a powerful tool for financial growth, not just a transaction.

Contact Us

Emma Villaobos

Scottsdale, AZ, USA

702-556-6069 evillalobos@waterstonemortgage.com

NMLS NUMBER

 #2723811 

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8767 East Via de Ventura, Suite 101, Scottsdale, AZ 85258.

*Based on the location of the purchase property, Waterstone Mortgage loan applications may be referred to another loan originator within the company.

Waterstone Mortgage Corporation (NMLS #186434) is a wholly owned subsidiary of WaterStone Bank SSB (NASDQ: WSBF). Ó2026 Waterstone Mortgage Corporation. All rights reserved. 

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Branch License #813J039.

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