Joshua Crater

Our Mission

We want to help you mortgage smarter. That's why we've combined industry-leading rates, a simple online mortgage process, and cutting-edge digital tools that provide up-to-the-minute loan data. Our knowledgeable and experienced team of loan officers is dedicated to your long-term success.

Serving Homeowners with Experience and Expertise

Since 2006, we've been proudly serving homeowners like you from our headquarters in Southern California. We understand that purchasing a home is one of the most significant financial decisions you'll ever make, and we take that responsibility seriously.

Smarter Tools for a Seamless Experience

We believe that having the right tools is essential for any successful endeavor, and your mortgage journey is no exception. Our Watermark Loan Hub provides you with the convenience of a completely digital mortgage application, digital paperwork uploading, and 24/7 access to your loan information from your mobile device. Everything you need from us is just a few taps away, making the process smooth and efficient.

Streamlined Process for Clarity and Transparency

As a technology-driven, direct-to-consumer lender, we pride ourselves on a clear and transparent online process. With our E-note closing and remote online notary services, you can complete all your paperwork from the comfort of your home. We're Fannie Mae, Freddie Mac, and Ginnie Mae approved, enabling us to offer a wide array of purchase and refinancing options. These include conventional, jumbo, and government-insured veteran loans, ensuring we have the perfect solution to fit your unique needs.

Custom-Tailored Mortgages to Meet Your Goals

Our experienced mortgage bankers go above and beyond to custom-fit your mortgage to your individual situation and your short- and long-term financial goals. We understand that everyone's circumstances are different, and we're committed to providing personalized guidance and support throughout the entire mortgage process. Your loan officer will be your dedicated partner from start to finish, ensuring a positive and successful experience.