SOUTH BAY DIGS | Digital Edition Online

March 20, 2026

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 reach out to us who had been declined by other lenders because they would not utilize the clients Restricted Stock Units for qualifying. It was a unique situation as the stock was not publicly traded but there was a value to the shares. e client was also concerned about liquidity a•er closing because so much of their net worth was held in the company stock. We were able to work with their Wealth Advisor to help establish a line of credit against their RSU's and negotiated terms with our investors on Wall Street to allow for the use of the RSU's in qualifying. is created a structure where our client's liquidity concerns a•er closing were addressed and allowed them to achieve the financing terms they wanted on their mortgage. Our experience, investor relationships, and financial knowledge took what our clients thought was a lost cause and turned it into win across the board. "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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