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Watermark Home Loans

Your On-Time Close Guaranteed

We can promise that because our advisory team manages your entire mortgage process in-house. We secure your approval before the clock starts, meaning zero third-party handoffs and no surprises at the finish line.

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Victor Calaguian profile picture
Victor Calaguian
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We had an outstanding experience working with Martin and his team at Watermark while purchasing our first home. As first-time homebuyers, the process felt overwhelming at times, but Martin guided us every step of the way with professionalism, patience, and expertise. His team was responsive, professional, and kept everything moving smoothly from start to finish. Their communication and attention to detail made what could have been a stressful process feel easy and manageable. We are so grateful for Martin, Dana, and the entire Watermark team for helping us buy our first home. We couldn't have asked for a better lending partner and would highly recommend them to anyone looking for a knowledgeable and customer-focused mortgage team. Thank you for helping make this milestone possible!
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Adam Helfand profile picture
Adam Helfand
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Ron and Dana were outstanding in their attention to detail, professionalism, and assistance.
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Thu Nguyen profile picture
Thu Nguyen
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I'm glad I found this lender. They offered a competitive rate and reasonable closing costs. Mike and Dana were very helpful throughout the home-closing process. They responded quickly to my questions, and the loan closed quickly as well.
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Ally profile picture
Ally
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Worked with Ron Trejo to sort a refinance when I was buying an ex out of a house. He was very patient as the process (due to issues on my end with the ex) was dragged out a bit longer than it should have been. Definitely recommend, and I would refinance through them in the future!
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Jessica Samuel profile picture
Jessica Samuel
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Douazong Lee Was amazing through out the process. She was very honest and trustworthy. She was always available to help. She gave us the best rate and we are very happy.
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Jack H profile picture
Jack H
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The Finest Customer Service ... Period! I had the good fortune to reach Edie, Senior Servicing Manager for the bank when I had questions about our mortgage. She was one of the most knowledgeable financial professionals I have ever spoken with. She was preparing for an important meeting (which usually results in a transfer to another person/department). Did this happen? ... NO it did not. Despite her need for uninterrupted focus, she took my call, never made me feel rushed, and answered all my questions ... which took a good 15 minutes out of her day. One of the qualities I relished most about Edie was her enthusiasm and sense of humor. I felt like I was speaking with a good friend that really cared about me. I wish all my interactions were like that. Edie even went so far as to email me all the documents that I needed AND gave me her direct line, just in case I had more questions ... Who does that?? ... Clearly someone that loves their job and puts the bank's customers first. Watermark Capital is lucky to have Edie! If I could give her 10 stars I would. She's just that good. PS. If you're looking for an exceptional bank ... look no farther than Watermark Capital. I've had my mortgage with them for years and they are one of the most responsive and helpful banks I have ever dealt with.
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Gib Fugate profile picture
Gib Fugate
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My wife and I recently worked with Douazong Lee and Stephanie Marroquin and our experience could not have been more courteous, insightful and professional. Not only did we complete our mortgage refinance in less than a month but the interest rate and closing costs were the best we could find. We highly recommend Watermark Capital, Inc and Douazong and Stephanie! Gib and Jane Fugate, West Lafayette, IN
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Daniel Wernicke profile picture
Daniel Wernicke
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This is the second time I’ve refinanced with Watermark and, in both instances, they offered the best rate and were quick to close. Mike Greenberg and Dana Chupp are a breeze to work with and really do put in the effort to provide excellent service. They have a secure online portal for submitting and reviewing financial docs which gives me peace of mind that sensitive info isn’t kept in someone’s email inbox. I wouldn’t hesitate to refinance with Watermark again.
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Sean Kittridge profile picture
Sean Kittridge
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We worked with Ron Trejo at Watermark to refinance our mortgage, and it was an extremely positive experience. Ron was honest, knowledgeable, and always available when we had questions about numbers or next steps. It's a big decision, but Ron and Watermark made it a pleasant one.
A+

Accredited

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Direct Mortgage Lender

Zero Broker Handoffs or Delays

Available Nationwide

Boutique Concierge Service

Our Commitment

Your loan closes on time or we make it right

When you do your part, we do ours. If you provide your documentation on schedule, we promise your loan will close by our mutually agreed-upon date. If we miss the mark due to an internal delay, we’ll credit your closing costs to make it right.

*Delays caused by third parties (like appraisals) or missing borrower paperwork are outside our control and can affect timing.  See full terms.

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Turned down somewhere else?

A “no” from one lender isn’t the whole market. Self-employed income, a condo in litigation, a rental property, a credit event a few years back — these are exactly the situations we’re built to look at.

HOW IT WORKS

The Path to Closing

Choose by the shape of the money — or by your situation. Every option below leaves your first mortgage in place.

1

Fast, and no hit to your credit.

2

One real person, start to finish.

3

We check everything early, so there are no late surprises.

4

That’s not luck. That’s how we’re built.

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Knowledge & Advisory

Latest Insights

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Is an ARM Right for You? Understanding Adjustable-Rate Mortgages

While fixed-rate mortgages are the standard, adjustable-rate mortgages (ARMs) can offer significant short-term savings for the right homebuyer. Learn how modern ARM products work, the benefits of “teaser” rates, and how to determine if an ARM fits your timeline.
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