SOUTH BAY DIGS | Digital Edition Online

October 3, 2025

DIGS is the premiere luxury real estate lifestyle magazine serving the most affluent neighborhoods in the South Bay and Westside of Los Angeles, California.

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Recent Client Success Story: www.WelcomeToRegan.com 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 310-607-0131 to talk to one of our mortgage bankers. Watermark Home Loans 100 Spectrum Center Dr Ste 520, Irvine, CA 92618-4964 DRE License Number 01523306 NMLS ID: 1838 Regan Hagestad: NMLS 57351 Paul Marinko NMLS 920746 310.607.0131 The Experience You Deserve Learn why the South Bay's Leading Wealth Advisors and Real Estate Agents rely on us for their clients Mortgage Solutions. Private Mortgage Banking That Puts Your Interests First. We recently had a client who was completing the construction on their 2nd home, however during the course of construction he had le his job and started a company. His construction loan was coming due and had been told by three Big Banks they could not give him financing because of his income change. We were able to work with one of our investors on the secondary market to utilize his wife's income, his retirement income, and bridge the gap by using their assets as additional qualifying income. •is allowed our clients to payoff their construction loan and lock into a traditional 30 Year Fixed rate loan before the construction loan was called due. Our experience, investor relationships and creativity allowed our clients to close on their dream vacation home when other lenders told them it wasn't possible. "Our Independence, Experience and Secondary Market Relationships allow us to think unconventionally, negotiate terms and do what's best for our clients." regan.hagestad@watermarkmtg.com

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