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 had been working with a client for over 6 months and received a phone call that the perfect house just hit the
market. The listing agent and already received multiple offers and the rumor was that 2 of the offers were all-cash. While our
clients were very well qualified they were concerned that the fact that they were obtaining a loan would put them at a disadvantage
compared to the all-cash offers. This was their dream home and they wanted to know if there was anything they could do in order
to put their best foot forward with the sellers.
SOLUTION: After speaking with their realtor who is part of our partnership program I found out that the listing agent was also part
of our partnership program. We have been partners with the listing agent for over 10 years and he knows that we close on time
and deliver on what we promise. I spoke with our clients and they decided to shorten the close of escrow date to 17 days and they
worked with their real estate agent to come up with what they felt was a strong offer price. As the sellers agent was reviewing offers
he contact us asking if we could really close in 17 days since that was the same close timeline the all-cash offer provided. We said
yes and put our reputation on the line. Our clients had their offer accepted and 17 days later they were the owners of their dream
home. In a low inventory market any lender can give clients debt, but a strong reputation and the experience to execute is what
separates our mortgage planning practice from traditional lenders.
310.607.0131
