SOUTH BAY DIGS | Digital Edition Online

November 28, 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 looking to acquire a rental property out of state that their child could live in during college but they weren't sure how they should approach it. Aer understanding their ideal purchase price and goals we were able to create a structure where we negotiated an equity line of credit on their property in the South Bay at Prime minus 0.25% to make the down payment. We then utilized and investor specific product to fund the remainder of the purchase price on the new rental property in Texas. ‚is allowed our clients to purchase the home without having to sell any stock or incur any capital gains taxes. ‚e rental income they receive from their sons 3 roommates covers the cost of the mortgages. Rather than spending $20,000 per year on housing for their son, they now spend $0 for housing and have an asset that could appreciate in value. Our experience, investor relationships, and creativity allowed our clients to turn what would have been an expense into an asset. "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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