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Our People

Michael Carrier – President

Michael's entry into the building industry began as a top mortgage professional specializing in construction loans for custom home builders. He achieved great success from his early days by earning the "Rising Star" award at Wells Fargo Home Mortgage in 2003. In 2006, he earned the "Circle of Excellence" award for being a part of the top 2% of all loan officers for Countrywide Home Loans. At the time, Countrywide was one of the nation's largest lenders financing one out of every seven homes in America. Michael also earned an award in 2006 as the Top Originator for the Southwest Florida Region, focusing on new construction.

In 2008, after the acquisition of Countrywide Home Loans by Bank of America, he left the banking industry to join a team of business professionals as part owner in a start-up manufacturing company. He operated as the company's top financial executive and helped grow the business to industry prominence as one of the leading manufacturers of engineered construction products. With 52 representatives in 23 countries, QuantumFlo, Inc. has been the industry leader in product innovation and technology. He sold his ownership in the company at the end of 2014 but still maintains a seat on the Board of Directors.

With his knowledge of construction financing, and his background as a financial executive, Michael was a natural fit for the Waterstone concept. Having financed construction projects with Edwin's previous company, MAK Homes, he teamed up in 2014 to help realize the vision that became Waterstone City Homes, Inc. Michael personally assists all Waterstone clients to make sure that the right construction financing options are secured and that they work seamlessly with the client's unique financial profile.

Michael's formal financial experience and education began while attending the University of South Florida and attaining a Bachelor of Science Degree in Finance. He was then employed by Paine Webber in The Private Client Group, as a licensed financial advisor while holding his series 7, 65 and 66 state licenses as well as his state life, health, and variable annuities licenses. He worked with high net worth individuals developing financial and estate plans. These valuable experiences allowed him to seamlessly move into the banking arena where he turned his attentions to lending money, carrying with him a deep sense of the client's perspective. He took a position with Wells Fargo where he "cut his teeth" in construction financing. In 2005 he joined Countrywide Home Loans, then spent five years with his company QuantumFlo, Inc. and then on to his new position with Waterstone City Homes, Inc.