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March 2021 by Chris C.
Highly recommend Monica Reyes at Watermark for your mortgage refinance needs. We have used her for three refinances and she was very professional, organized, and easy to work with. Everything was up front and the rates she obtained for us each time were excellent and the fees were extremely low. Plus, if the rates drop, she will keep all of your information from the previous refinance on file, so there is very little paperwork involved.
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March 2021 by Mike V.
I have been shopping for a Lender for quite some time now. I have spoken to about 10 Lenders and they all seem to be the same. Seems like they have a Boiler Plate list of questions that they ask before even telling you what they have to offer. I was hesitant when Moses Herrera from Watermark Home Loans reached out to me, and I thought he was like every other what seems like "Used Car Salesman' that seem to be parading as Mortgage Loan Officers these days. I was so impressed with Moses' Professionalism and his knowledge regarding the Mortgage Industry, that I referred 3 of my family members to him and all they all had the same positive experience with him. Moses is a very polite and straight forward Loan Officer. I highly recommend him to anyone looking for Mortgage financing. He gets 5 Stars in my book! He is a rare breed Salesman, very thorough, and very Professional!
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March 2021 by Brian G.
Great experience with Watermark Home Loan! The good software makes the process easy, safe, and transparent! With Moses and Nancy's professional help I was able to close my loan in 4 weeks, unlike some others, no sneaky around, no number playing, very responsive!
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March 2021 by Susan F.
Monica Reyes from Watermark Home Loans did a fantastic job with my refinance. I contacted her about six months ago and she immediately provided me with a clear graph of my refinance options. Everything was presented in a way I could understand. At the time, it just didn't make sense for me to refinance. In December, when interest rates dropped, Monica reached out to me! She sent a new clear graph showing me the savings. It made sense, I refinanced. Monica and her assistant Gayle were clear and consistent with communication and the entire process was smooth. Highly recommend Monica!
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March 2021 by Gabriel S.
This is the third time I've used Watermark and they have been great. Ron Trejo is the best! Great rates! Process was seamless. Would definitely recommend.
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March 2021 by Linda O.
In December 2020 Monica Reyes at Watermark Home Loans helped us refinance our home loan. Honestly, this was the best loan closing that I have ever experienced. Monica was able to help us get the paperwork processed quickly and we were closed in 30 days! Great job!!
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March 2021 by Sunil M.
Absolutely amazing, got all my questions answered on the very first call. I shopped around but she gave me lowest interest rate. All the processes went pretty smooth, closed the house in less than 30 days.
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January 2021 by Bruce K.
I highly recommend Noreen Sparks at Watermark Home Loans. I chose Noreen as my loan officer because she was recommended to me by a friend. Right from the start, we established a solid working relationship especially because I trusted her direct communication style. She got me the lowest interest rate and terms compared to several other companies that I had been working with up until we met. And on top of that, my loan application went from initial application and document upload to approval and funding in under six weeks, including the Christmas-to-New-Year holiday! Noreen and the loan processor Nahum Velasco were always helpful, courteous, and professional with all of their communications with me. While I had a few questions as my home loan refinance application went through processing and underwriting, they were very prompt with answers even when it was late in the evening, as well as right up to the start of the Christmas holiday season. I also found the Watermark website and the online document portal to be easy to use and fully transparent about all the documents that I approved. I would definitely choose to work with Noreen and Nahum at Watermark Home Loans in the future. I highly recommend Noreen Sparks and Nahum Velasco at Watermark Home Loans for your home loan and refinance needs.
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January 2021 by Sameer A.
Jason helped me with a cash out refinance (first time doing it for me) in Richmond, California and the experience was excellent. He took the best rate I could find after days of rate shopping, matched it, and then covered all of the fees with a lender credit. My friends couldn't believe how good my rate was, and for a no-cost loan to boot! I used to work in banking and find the competitive rates and great service from Jason's team to be impressive. I will certainly be using them again next time I do a home purchase or refinance.
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January 2021 by Sachiko T.
I refinanced my loan with Rob Kronberg from Watermarks and he and his team was great. Rob was professional and always available for any questions I had and responded back to me fast and put me at ease. I highly recommend him and his team to anyone!
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January 2021 by Shannon D.
Amazing experience. At a friend's recommendation we worked with Brent Czar and couldn't be more pleased. The rate seemed too good to be true, and was half a point lower than other quotes I'd gotten (from my bank and our usual broker- so not other online lenders, but I knew that my friend had shopped around already). I was nervous about online lenders in general, and with that rate I was just waiting for the other shoe to drop. But it never did! Brent was super-quick with all responses, and the application process was surprisingly simple. After having been quoted 90 days to close from other lenders, Watermark quoted us 36 days on a cash-out refi, and the actual time from first contact to funding was more like 21days! Our appraisal was waived, too, which was great. I can't speak to loan servicing, because our loan is new, and we were really easy candidates with w2 income, 800+ credit, etc., but I honestly can't imagine a better experience than we just had with Watermark.
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January 2021 by Harsh K.
Rob Kromberg and his team are exceptional in their quality of service. We did a home refinance. They were responsive to my questions. They guided me through the process and got me a really good deal. Highly recommend them!
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December 2020 by David G.
Poor communication and unable to secure refi with this company. I had refinanced with another lender 8 months ago with no issues. Since rates dropped further i decided to try to refi again. Took forever to answer me back when I contacted them.
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December 2020 by San D.
Don't even know where to start. The closing took four and a half months. Representatives are not responsive, most of the emails do not get answered ever. After initial 30 days they have disappeared for 45 (!) days, then started the process again. Numerous errors on closing documents, some of them never been fixed. About six or seven attempts to close have failed - wrong documents, notary cancellation, etc. As the final fact - they robbed me for about $1.7K.- paid less to pay off my previous loan, than has been shown on the closing documents, but included that amount in the new loan. Did not respond, when I emailed them about the mistake. Considering my legal options. On a side note - they asking you to write a review for them on Google via proxy, but that proxy does not let you post any negative review for them. And yelp will probably hide it as any bad reviews. Notice - there are MORE "not recommended" reviews than "recommended"
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December 2020 by Matt P.
Rob K is the best!! Watermark has a very user-friendly website that lets you upload the documents as they request them. A very painless process and they're very upfront with the fees everything is very transparent! Great communication also if you have questions. Prompt responses as well. Super happy with the new rate.Rob can tell you quickly how much you can expect to save! Thumbs Up!
