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 recently received a call from one of our Wealth Advisory Partners who was working on a financial plan for one of
their clients. As part of the planning process their clients told them that they would like to do a remodel on their home, however
since they were retired their bank told them they would not be able to access their equity to complete the remodel. The clients had
a significant amount of equity in their home but because of their income they were told that they could not access it. Rather than
sell stocks out of their portfolio he wanted to find out if there were any other options.
SOLUTION: After completing a conference call to determine our clients ultimate goals and getting additional details on our clients
asset accounts as well as how they receive their monthly income we created a plan. Beyond the traditional Social Security and
Pension income we found out that our clients received income from their trust as well as a monthly IRA distribution that their bank
had overlooked. After doing a thorough review we were able to utilize a program specifically designed for clients who are retired
and we were able to access $500,000 of their homes equity in order for them to complete their remodel. As a mortgage planning
practice we are able to view things differently and have products designed to create solutions not obstacles.
310.607.0131
