think smart... think mortgage.

(877) 99 -THINK (84465)
Watermark Capital Inc BBB Business Review

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

ewelarry

I have purchased many homes in my lifetime and this was my first refi. It simply could not have gone any easier or better. Mark and Todd are pros and they worked exceptionally well in making a potentially tedious and emotionally draining situation go exceptionally well.

Chadwick D.

This was our first experience utilizing an online mortgage lender. We were skeptical and a bit hesitant at first, but the cheaper refinancing costs (when compared to local lenders and competing online lenders) and overall great experience with Thomas Cross and Watermark definitely changed our minds. While we always prefer to do our business local, and always give them an opportunity, working with Watermark was simply a better financial decision and was a very pleasant and painless experience. Wh... Read More »

Jun F

Highly recommend Brian! Call him now whether you are thinking of a new purchase or refi. I have been using him since 2018 and did 3 loans with him already: 2 purchases and 1 refi, and still counting! His great service is second to none. Beyound always help get the best solution based on our situation, Brian is also someone I trust to ask him for advise. He’s also my lucky charm as the properties I used him made good rate return also timing wise it always worked out the best for us. Thank you, ... Read More »

Anonymous

1st time buyer, smooth transaction Friendly staff and not pushy. Willing to the time and give you information you will need to make an informed decision. Not just a cookie cutter loan service they will walk you through all your options not just the easiest for them. They are willing to think outside the box and put in extra to get you to the finish line.

J Gonzalez

I stumbled upon Watermark a few years ago and have not left since. I was fortunate to be paired with Rob Kromberg and he has helped me along the way each time. I have had several mortgages and I have not had as good customer service anywhere else. Try them, you won't be disappointed.

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