Loan Officer Profile

Joshua Christopher Crater

Watermark Home Loans

100 Spectrum Center Dr Ste 150 Irvine, CA 92618
NMLS ID: 218312
Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

Joshua Crater is a top-tier NMLS licensed and national S.A.F.E. certified mortgage professional with a decade of residential lending experience which he utilizes to the great benefit of his clients. Joshua has an exemplarily track record of building lasting relationships and receiving extraordinary 5 STAR customer service ratings from clients and real estate partners. Joshua’s specialties include but are not limited to VA Military home loans up to $1.5 million, JUMBO home loans up to $10 million, FHA Home loans and All Types of traditional Refinance /Purchase loans for Primary Homes, 2nd Homes and Investment Properties on 1-4 Unit Properties. Joshua is committed to placing clients in loan programs that best meet their individual needs and finding the best and most competitive loan programs for each and every clients unique situation. He is passionate about helping customers realize the dream of home ownership as well as understand how to build wealth through mortgages, home equity and real estate investments, with a focus on building home equity and personal cash flow. Joshua and his wife reside in the Surfside community of Huntington Beach with their 2 rescue dogs Buddy and Junior. As followers of their Christian faith, Joshua and his wife are passionate about giving back to those that need it most and that is why they have committed a generous portion of their earnings to projects they are passionate about; such as providing the transforming gift of mobility to the physically disabled poor in developing countries through the gift of free wheelchairs or the 3 life giving water wells they sponsor in India, Ghana and Cambodia to serve thousands of local residents who would otherwise perish from lack of clean water.

Ratings & Reviews

  • Loan Officer Review
    from Lancaster, CA
    (5 of 5)
    Recommended!
    Reviewed:

    So happy with our new Loan!

    Called Josh for a refinance after a neighbor referred us to him, his team was so nice and informative we were blown away. Definitely call Josh for your next Refinance loan if you want the best deal.

  • Loan Officer Review
    from Lancaster, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Wow such great rates & service!

    Great rates and service always answered my phone calls and really happy we used Josh as our Lender

  • Loan Officer Review
    from Irvine, CA
    (5 of 5)
    Recommended!
    Reviewed:

    buying first house

    We are working together to purchase our first home

  • Loan Officer Review
    from Irvine, CA
    (5 of 5)
    Recommended!
    Reviewed:

    First Home

    We are working together to purchase our first home.

  • Loan Officer Review
    from Santa Ana, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Call Josh for your next Home Loan!

    I'm working with Joshua to purchase your first home, he has been such a help in getting us prepared for all the details. Even recommended us to an amazing realtor and we are so happy we found them to work with highly recommend calling Josh for your next home loan!

  • Loan Officer Review
    from Huntington Beach, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Call Joshua Crater for your Next Home Loan!

    Joshua Crater and his team have been helping me prepare for my first home purchase, I'm so grateful for all the advice and help! He is taking the time to help me improve my credit scores so that I qualify for a lower rate and better loan terms, thank you so much Josh for all your help! I highly recommend calling Josh for your next home loan.

  • Loan Officer Review
    from Huntington Beach, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Lowered my rate from 5% to 3.75%

    Josh helped me refinance my current home and lowered my rate from 5% to 3.75% and I was able to pull cash out to purchase an investment property rental. I am so thankful to Joshua and his team for helping me understand all my options and making the decision to purchase the investment property. He also connected me with a great Realtor Jessica at Coldwell Banker who also did a great job... Read More

  • Loan Officer Review
    from Yountville, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Exception Customer Service and Great Rate

    I was very impressed with Josh Crater's customer service and professionalism. He was able to get me the lowest rate on the refinance for my home in San Francisco. He patiently guided me through the loan process, through to the successful close. His advice and expertise were invaluable.

  • Loan Officer Review
    from Huntington Beach, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Excellent and Friendly Service!

    Josh is a pleasure to work with. He's responsive, knowledgeable and knows how to get a loan through to closing in a timely fashion. Forward thinking and a great problem solver. I highly recommend, Josh!

  • Loan Officer Review
    from Fountain Valley, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Amazing Customer Service, so helpful!

    Joshua and his team have been extremely helpful in the home buying process. I am trying to buy my first home, but after applying with several companies with no returned calls I found Joshua at Watermark Home Loans. Come to find out, I wasn't being called back by the other companies because my credit was not quite ready to purchase a home. Joshua took his time to help me understand credit and how much it impacts us in life. We thoroughly went through my entire report and he helped me get old collections deleted which is drastically improving my scores. We are in the process of getting my credit cleaned up and on my way to qualifying for my home! I'm so honored that Joshua took so much time to help me even before I actually qualified. He is really good at what he does and will go to all ends to help his clients get the best possible terms. I am so excited to be a homeowner and look forward to referring all of my friends and family as well! Not only does he have the best customer service, his rates are much lower than the quotes received by the other companies I had applied with. Overall I have had a wonderful experience working with Joshua and his team... Read More

Joshua Crater is a top-tier NMLS licensed and national S.A.F.E. certified mortgage professional with a decade of residential lending experience which he utilizes to the great benefit of his clients. Joshua has an exemplarily track record of building lasting relationships and receiving extraordinary 5 STAR customer service ratings from clients and real estate partners. Joshua’s specialties include but are not limited to VA Military home loans up to $1.5 million, JUMBO home loans up to $10 million, FHA Home loans and All Types of traditional Refinance /Purchase loans for Primary Homes, 2nd Homes and Investment Properties on 1-4 Unit Properties. Joshua is committed to placing clients in loan programs that best meet their individual needs and finding the best and most competitive loan programs for each and every clients unique situation. He is passionate about helping customers realize the dream of home ownership as well as understand how to build wealth through mortgages, home equity and real estate investments, with a focus on building home equity and personal cash flow. Joshua and his wife reside in the Surfside community of Huntington Beach with their 2 rescue dogs Buddy and Junior. As followers of their Christian faith, Joshua and his wife are passionate about giving back to those that need it most and that is why they have committed a generous portion of their earnings to projects they are passionate about; such as providing the transforming gift of mobility to the physically disabled poor in developing countries through the gift of free wheelchairs or the 3 life giving water wells they sponsor in India, Ghana and Cambodia to serve thousands of local residents who would otherwise perish from lack of clean water.