think smart... think mortgage.

(877) 99 -THINK (84465)
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OUR HOME LOAN
EXPERTS ARE READY
TO HELP YOU.

Conventional Loan
  • "Conventional" just means that the loan is not government program, such as FHA, USDA, or VA.
  • There are two main categories of conventional loans
    1. Conforming Loans
    2. Non-Conforming Loans
  • There are three main types of conventional loans:
    1. Conforming (<= $424,100)
    2. Conforming Jumbo ($424,101 - $636,150; county specific)
    3. Jumbo (Non-Conforming)(up to $10,000,000)
  • The majority of loans are conventional. The majority of conventional loans are 30 year fixed mortgages.
  • Conventional loans cost less than FHA loans, but getting qualified can be more difficult.
Fixed Rate Mortgage
  • Interest Rate and Principle & (PI) Interest payments will not change for the life of the loan.
  • Fixed rate periods are 30, 25, 20, 15 and 10 years.
  • Purchase a home with as little as 3.00% down payment.
  • Fixed rate mortgages with Interest Only (IO) payments are available.
Adjustable Rate Mortgage (ARM)
  • Interest Rate and monthly Principal & Interest (PI) payment remain the same for an initial period of 5, 7 or 10 years, then adjusts annually.
  • The interest rate cap limits the maximum amount your rate and monthly P&I payment may increase at each adjustment, and over the life of the loan.
  • Typically ARM’s have a lower initial interest rate than fixed rate mortgages.
  • Provides flexibility if you expect future income growth, or if you plan to move, or refinance, within a few years.
FHA Loan
  • The Federal Housing Administration insures FHA loans.
  • Allow for down payments as low as 3.50%.
  • Allow lower credit scores than most conventional loans.
  • Have a maximum loan amount that varies by county.
  • Mortgage insurance is a requirement for all FHA loans.
  • A co-applicant may help with qualification even if they do not live in the home.
VA Loan
  • The Department of Veterans’ Affairs (VA) guarantees VA loans for eligible veterans, current service members, and surviving spouses.
  • There is no mortgage insurance. The VA guarantee replaces mortgage insurance.
  • Do not require monthly mortgage insurance premiums, but usually require an upfront VA Funding Fee.
  • Veterans with service related disabilities may be eligible for the VA Funding Fee Waiver.
  • The VA IRRRL (Interest Rate Reduction Refinancing Loan) allows for low-cost, streamlined refinance options.
  • VA Jumbo loans up to $1,500,000 are available regardless of county loan limits.
Jumbo (Non-Conforming) Loan
  • Loan amounts are typically greater than $424,100.
  • Typically up to $1-2 million, but can be up to $10 million.
  • Rules vary by investor, but Primary Residence, Second Home, and up to 4 unit Investment Property loan programs are available
  • Fixed rates, ARM’s, 40 year terms and interest only payment options are available.
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TESTIMONIALS

T EX

I refinanced a house as part of an amicable divorce settlement. The house was a rental at this point (problem 1), required verification of separation and that my ex was being removed from the deed (problem 2) and all of this had to be completed remotely while I was working on a project on the other side of the world in Bangladesh (MAJOR problem 3). I worked with Ron Trejo and Genelle Stewart of Watermark to secure and process my loan. I have never had a better experience with any institution in ... Read More »

Brent Fogg

Jesse is extremely knowledgeable and responsive. We have worked together on multiple transactions and each has been smooth, trouble free and a good value. I have enjoyed working with Jesse on each and highly recommend him.

Joshua Horton

I worked with Doug Gintzler and Dana Chupp. I was blown away by their service. I did NOT enjoy the process of trying to find a lender at first. It was hard to get consistent, quick responses. Doug was direct, clear and VERY responsive. He was also the most direct and knowledgable of any of the lenders I worked with. My only hang up at first was that I'd never heard of Watermark. I was terrified that once I signed up or got down the process Doug and Dana would go MIA and I'd get left hanging. Tha... Read More »

Tonja Vallin

I had a friend use Watermark for his refinancing in Las Vegas and then my mother used Watermark for a condo purchase in Colorado, both of those transactions went well. Today, I closed on a condo purchase in Las Vegas. I just want to say that the loan processor Jaclyn Hargraves went above and BEYOND to get this deal approved and funded. The loan was funded on the same day as the signing and everyone was thrilled with the end result. I also ended up with an outstanding mortgage rate and very reaso... Read More »

happycustomer23

smooth transaction Ameer Jalal is the name! He gave a mile when asked for an inch! He tried his best getting us the best rate for refinancing and is so easy to communicate with. This company is one of the best I have worked with.

WHO WE ARE

WE STRIVE TO LEAD THE INDUSTRY THROUGH PROVIDING QUALITY CUSTOMER SERVICE, SETTING THE STANDARD FOR PROFESSIONAL ETHICS, AND DELIVERING THE BEST FINANCIAL OPTIONS TO EACH CLIENT.

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.

CORE VALUES

Transparency
Honesty
Integrity
No Nonsense
Knowledge

WHO WE ARE

WE STRIVE TO LEAD THE INDUSTRY THROUGH PROVIDING QUALITY CUSTOMER SERVICE, SETTING THE STANDARD FOR PROFESSIONAL ETHICS, AND DELIVERING THE BEST FINANCIAL OPTIONS TO EACH CLIENT.

CORE VALUES

Transparency
Honesty
Integrity
No Nonsense
Knowledge

ABOUT US

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.

CONTACT US

CONTACT INFO

100 Spectrum Center Dr #150

Irvine, CA 92618

Phone: (877) 99 -THINK (84465)

info@ThinkMortgage.com

ThinkMortgage.com