Mortgage rates could change daily. Actual payments will vary based on your individual situation and current rates. Some products may not be available in all states. Some
jumbo products may not be available to first time home buyers. Some restrictions may apply. Based on the purchase/refinance of a primary residence. Credit and collateral
subject to approval. Loan to value, debt to income and cash-out restrictions may apply. Programs, rates, terms and conditions subject to change without notice. Please
remember that we don't have all your information, so this does not constitute a commitment to lend. Therefore, the rate and payment results may not reflect your actual
situation. To get more accurate and personalized results, please call (800) 357-4077 to talk to one of our mortgage bankers. Watermark Home Loans 100 Spectrum Center
Dr Ste 150, Irvine, CA 92618-4964 DRE License Number 01523306 NMLS ID: 1838 Regan Hagestad: NMLS 57351 Matthew Disalvo NMLS 1416809
RECENT LOAN SUCCESS STORY
CHALLENGE: We received a call from one of our Wealth Advisory Partners who had a client looking to purchase a new home for $2,500,000
however he had been declined by 3 different banks because of his monthly income. The client recently retired and was offered an early retire-
ment package where he received his entire pension paid out over a 5 year period. He only had 2 years remaining on the pension payout and
in turn the other banks he spoke with would not use this as his monthly income.
SOLUTION: After discussing the details of his situation and finding out that he had a significant amount in retirement plans and invest-
ment accounts we were able to understand his full retirement picture. At the end of the 2 years when he was no longer receiving his
pension, he would then start drawing on his retirement accounts for his monthly income. Based on the amount in his retirement plans
we were able to work with one of our portfolio investors to obtain the approval and lock him into a 30 Year Fixed rate at 3.125% with
no points. Our client now owns his dream retirement home in Manhattan Beach and has a payment that will fit his budget as well as align
with his overall financial picture. By working closely with our Wealth Advisory Partners and having a lending platform tailored to the
South Bay we were able to achieve our clients goals without having to sacrifice on any of the terms.
310.607.0131
