NMLS# 1838

Watermark Home Loans

Lender Summary

Watermark Home Loan’s vision is to lead the industry through providing quality customer service, setting the standard for professional ethics, and delivering the best financial options to each client. Watermark Home Loans strives to provide complete customer satisfaction and treat each client with the respect, integrity, and communication they deserve. Our purpose and approach are simple. We listen, analyze, educate, and advise each client regarding their specific financial needs and goals based on their current situation. We are dedicated to staying on the forefront of the changing financial industry in order to continually provide the best service to our clients.

What they're saying

Ratings & Reviews
38 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

smooth refi process

After an initial rate quote and conversation with Moses Herrera, I decided to pursue our refinance with WaterMark based the competitiveness of the loan terms and Moses’ clear communication and professionalism. Our application was not straightforward, but it was reviewed competently, with courtesy and steady progress. When clarification of underwriting requirements was needed, Moses stepped in to provide it. We closed in 5 weeks with the loan terms that Moses had initially quoted. Thank you to Moses, and to LaRay and Rosalinda!

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Rude and pressure tactics

Initially contacted as I was rate shopping for a 15y refinance. Their initial quote wasn’t competitive (closing costs/lender credits) and I told them as much and thanked them for their time. Casey Romijn said he could do better and came back with a slightly more competitive offer, but I noticed the increased lender credits were now offset by a larger spread between the rate and apy and thus amounted to shifting numbers around to give the appearance of a competitive offer. When I questioned him on what accounted for the increased spread he told me he didn’t have time to argue with me over dollars. Well, sir, that’s exactly what the purpose of rate shopping is - to get the best deal, because dollars do matter. And if they didn’t you wouldn’t have felt compelled to offset lender credits with an increased apy.
I would avoid doing business with Watermark based on this experience.

  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Pleasant experience

Monica Reyes is an excellent loan officer and provide me superb customer support through out the loan process. It was very smooth operation and I highly recommend her and Watermark Home Loan for your Home Loan needs.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Watermark Home Loans

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