A lender that fits the loan to your situation.
Conventional, FHA, VA, home equity, and bank-statement programs — reviewed by a licensed loan officer who looks at your full picture before recommending a structure.
- Conventional, FHA, VA, home equity, and bank-statement programs
- In-house processing, underwriting, and closing
- Licensed to lend in 47 states and DC
- One licensed loan officer from first question to closing
Where would you like to start?
Pick the path closest to your situation. A licensed Watermark loan officer reviews every request personally.
No Social Security number • No hard credit pull to get started
Loan programs we work with
One conversation, multiple programs. We compare what's available for your scenario instead of pushing a single product.
Conventional loans
Purchase or refinance with competitive conventional financing for primary homes, second homes, and investment properties.
FHA loans
Lower down payment and more flexible credit guidelines may be available for eligible borrowers.
VA loans
Financing for eligible veterans, active-duty service members, and surviving spouses, including low- and no-down-payment options.
Home equity & HELOC
Access the equity you've built without automatically refinancing your low first-mortgage rate.
Bank statement & self-employed
Business owners, 1099 contractors, and other self-employed borrowers may qualify using bank statements, 1099s, or a CPA-prepared P&L.
Refinance
Lower your payment, change your term, or take cash out — reviewed against your full scenario, not one product.
Your scenario is reviewed by a licensed Watermark Home Loans loan officer.
You won't be dropped into a marketplace of competing lenders. A licensed mortgage professional reviews your situation, explains which programs may fit, and helps you compare costs, payment, and timing — then you decide.
How it works
A modern process with a real loan officer from start to closing.
- 1
Tell us your goal
Share a few basics about the property, your income, and what you're trying to accomplish.
- 2
We review your scenario
A licensed Watermark loan officer reviews your situation and compares the programs that may fit.
- 3
You compare and decide
Review timing, payment, rate, and costs before deciding whether you'd like to move forward.
Ready to get started?
If you already know you want to move forward, you can start the full mortgage application now.