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 retirement 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 as well as investment accounts we were able to understand his full retirement picture. Based on his retirement
structure as well as the other assets held within his trust we created a solution. We were able to structure a new loan
of $2,000,000 and utilize his current pension as well as trust income to qualify for the new mortgage. 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 retirement plan. By working closely with our Wealth Advisory Partners and having a lending platform tailored to
the South Bay we are able to achieve our clients goals even when traditional lenders can't.
310.607.0131
