Smarter Home Loans, Faster Approvals

Stop Stressing. Start Thinking Mortgage.

Whether you are securing the keys to your dream home or refinancing to leverage your equity, we combine industry-leading technology with transparent, honest service. We match you with the exact right loan for your lifestyle—because a smarter mortgage means a stronger financial future.

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Bryden McGrath profile picture
Bryden McGrath
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Had a wonderful experience with Amanda and team! She was incredibly responsive, patient, and personable every step of the way. Honestly, other lenders I contacted felt robotic and even cold, so I could not recommend Watermark enough. They really surpassed my expectations.
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Andrew Hayward profile picture
Andrew Hayward
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Worked with Monica and Nancy. They were fast to turn a pre approval and attentive to getting everything lined up in time to meet my closing Date.
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C Bromstead profile picture
C Bromstead
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Have worked with Ron twice and he's honest, quick, and makes the process very easy.
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Kelyna Wayton profile picture
Kelyna Wayton
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Mike and Dana were great throughout the whole process. Our journey to buying a home was quick (<2 months I think) and honestly easier than I expected. Mike was always available to answer questions and kept us updated throughout. Will recommend Watermark to my friends or family buying
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jeff lieberman profile picture
jeff lieberman
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Mike and Dana were both super helpful, and made the process very simple without a lot of pressure. Everything was very straightforward and convenient. Thank you !!
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Jae Choi profile picture
Jae Choi
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I secured my mortgage with a VA loan through Ron. Ron was always accessible for any questions on any days at any time. All the loan-related costs were explained upfront and there was no surprise fee at the end; I appreciated his transparency. He also had very competitive rates and allowed some flexibility with rate match and float-down, though I did not need those for my loan process. I will definitely seek him again if I need another loan or refinance.
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Andrew Atwell profile picture
Andrew Atwell
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Amanda was great and easy to work with. She has such a fun personality that made the process less stressful and she always went above and beyond.
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Dan Ehrhardt profile picture
Dan Ehrhardt
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Monica and the Watermark was very responsive and focused on what we idetified as important to us. The focus on the best possible mortgage rate was very successful.
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Randie Schoenberg profile picture
Randie Schoenberg
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I can't say enough great things about my experience with Watermark Capital. From day one, the entire team made me feel like I was in great hands. They were professional, responsive, incredibly knowledgeable, and always took the time to answer my questions and explain everything along the way. What really stood out to me was how genuinely invested they were in making the process as smooth and stress-free as possible. I never felt like just another client—they truly cared about helping me achieve the best outcome and were there every step of the way.
A+

Accredited

Better Business Bureau Company

Direct Mortgage Lender

Zero Broker Handoffs or Delays

Available Nationwide

Boutique Concierge Service

Our Commitment

Think smart. Get the pricing and service you deserve.

Transparency
Honesty
Integrity
No Nonsense
Knowledge

Think Mortgage is a nationwide direct lender founded in 2006 by a group of service-oriented individuals seeking to improve the home loan process. Think Mortgage not only survived the financial crisis, but thrived, and has since obtained Fannie Mae and Freddie Mac approval as a home loan seller-servicer. Being a Fannie Mae and Freddie Mac partner is relevant to the consumer because it is one of the many advantages allowing Think Mortgage to be a price leader in a very competitive marketplace.

At Think Mortgage, we value competent people. The same executive team, backed by a strong support team, has steered the company through the financial crisis to today. Those people, coupled with our technology-based platform, allow us to differentiate ourselves from the competition.

Whether buying a home or refinancing, think smart… Think Mortgage.

Loan Solutions

How can we guide you today?

Watermark Loan Solutions

I have a specific goal

I know what I want to achieve, but I need guidance on the right financial vehicle to reach those goals.

Watermark Loan Products

I know the loan I need

I've done the research and want to compare specific mortgage products and options.
YOU MAY STILL HAVE OPTIONS

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.

Audited Evidence

Stories from real closings

Knowledge & Advisory

Latest Insights

What are you waiting for?

Stop guessing. Start planning.

Get in touch with an advisor today for a custom strategy session.

This is not a commitment to lend. All loans are subject to credit, income, and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products or programs are available in all areas, and lending guidelines are subject to state-specific restrictions. Watermark Capital, Inc. dba Think Mortgage is an Equal Housing Lender. We do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

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