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 a prospective client that saw our ad in South Bay Digs and they started to explain how
frustrated they were with the current housing market. They were well qualified buyers, with good credit, income and they were
planning on putting 30% down. However they had offered on 4 different homes and lost to either cash buyers or other buyers
who decided to offer well over the asking price.
SOLUTION: We explained our process and how being a mortgage planning practice is different from a traditional lender. We explained
how we fully underwrite our clients loan files prior to even issuing a pre-approval letter and how during our planning meeting we not only
discuss different loan strategies, we also discuss what going over the asking price would look like should there be multiple offers. In this
market we want our clients to not just be pre-approved we want them to have a full home buying game plan ready. When the right home
comes to market we can implement our game plan not just make an offer. By following our game plan our clients were able to write an
offer over asking price, with no loan or appraisal contingency and offer the sellers a 17 day close. They had their offer accepted over an
all cash offer and 2 other clients who wrote their offers using the standard terms. A simple adjustment in their approach took them from
being frustrated buyers to the proud owners of their new home.
310.607.0131
