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Andy Zemon works as the Sales Manager and Loan Officer with Waterstone Mortgage Corporation. He is responsible for the significant growth of this family-run branch and offers his in-depth industry knowledge to assist many of the regions’ homebuyers. To date he has helped more than 1500 families in his career.

Andy’s passion is providing mortgage-based financial plans and is the preferred lender for some of the area’s top builders and Realtors. Andy is one of only three Certified Mortgage Planning Specialists in the Central Virginia area.

In addition to running his own team within Waterstone Mortgage, Andy provides continuing education courses through the Charlottesville Area Association of Realtors. He also offers seminars through the local Chamber of Commerce as well as for many local real estate offices on the finer points of owning and growing their businesses. Andy has also been featured on the WINA live morning show and the local NBC affiliate as a lending and financial expert.

Andy is a member of an elite coaching group, The CORE, which only accepts the top 1% of mortgage professionals and Realtors in the country.

Before moving back to his hometown of Charlottesville, Andy worked in business development in the Washington, DC area. He received his degree in Consumer Affairs at The Ohio State University. He is a past player of the Virginia Men’s Rugby Club and currently volunteers over 1100 hours a year with the Seminole Trail Volunteer Fire Department as both a driver and firefighter.

Andy is married to his beautiful wife, Chanda, an orthodontist in the area and together they have two beautiful girls named Stella and Libby. With a baby boy expected early 2015! 


Helping you achieve your personal and professional goals

You’ve worked hard to achieve your professional goals—now let us help you achieve your homeownership dreams.

Available for doctors and dentists who have recently completed their residency, the Waterstone Mortgage Medical Professional Program allows you to finance your home before you start your new job.

  • Finance up to $650,000 with a minimum 3% down payment, or up to $850,000 with a minimum 5% down payment
  • 5/1, 7/1 and 10/1 adjustable rate mortgage (ARM) programs available
  • Competitive rates
  • Student loan debt may be excluded from the debt-to-income calculation (ask for details)

We’ll work with you to ensure a smooth process from application to close so you can focus on your career, not your loan.

Click here to get pre-qualified!

Subject to credit approval and program guidelines. Eligible individuals include medical residents, existing or new licensed Medical Doctors (MD), Doctors of Dental Science (DDS), Doctors of Dental Medicine (DMD), Dental Surgeons specializing in oral and maillofacial surgery (DMD), Doctors of Opthamology (MD), Doctors of Podiatric Medicine (DPM), and Doctors of Osteopathy (DO). With adjustable rate mortgage loans, the rate is variable and may increase or decrease every year after the initial fixed rate period based on changes to an index. This could result in an increase in the monthly payment.


Schedule a 15 Minute
Prequal with Me
Click to Schedule an Appointment


Contact Information
Andrew Zemon
Sales Manager NMLS: #208916
Direct: (434) 529-8420
Fax: (434) 906-2570
Fax: (434) 975-4700
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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