5 Minutes Could Save
You $5,000 or More!
Direct Lender up to $20M Loan Amounts. Using Proprietary Artificial Intelligence Technology to get you Better Loan Terms.
"Josh and the Watermark team were extremely helpful and dedicated during the purchase of our first home. All told, Josh and his team were able to take us from application to funding in 3 weeks."Steve L.
9 Ways We Help You Get Better Loans
New A.I. technology paired with Experienced Industry Experts
creates a quick, efficient, and confident buying or refinancing process.
Artificial Intelligence Technology
Using Proprietary Artificial Intelligence Technology & Software Automation to get you Better Loan Terms. Massively speed up & clarify the very cumbersome & often confusing mortgage process.
True Direct Lender
Being a true Direct Lender means we have full control over the entire Underwriting, Processing and Funding process from Application to Closing. This results in a far Better Experience for You, and Everyone involved!
$0 Closing Costs Options
We offer True $0 Closing Cost options on almost every loan scenario. Closing Costs will always exist on Mortgage Loans but we earn $$$ on the interest you pay every month, so we can offer you Lender Credits at closing to offset up to 100% of Your Closing Costs, including 3rd Party Fees. *Lender Credits cannot exceed actual closing costs.
24/7 Self Service Quotes
Once we have verified your phone number & email, we provide Accurate Personalized Quotes including Rates / APRs / Payments / Closing Costs, available 24/7/365 thanks to our amazing Proprietary Technology platform.
No Annoying Sales Calls
We are committed to the Golden Rule of treating everyone the way we would like to be treated. This means we will follow up with you a few times but unlike most of our competitors, we will never use robot power dialers to harass our prospects.
Non-Biased Mortgage Experts
Our Experienced Experts are 100% Non-Biased to whatever Loan Options You Choose. Their only job is help you make educated and informed decisions since this is often the largest purchase of your life.
Know Your Options &
Get Pre-Approved with
Our Quick & Easy Tools
Get your FREE
Pre-Approval Letter
Find out how much home you can afford by getting pre-approved for your next home loan now.
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Analyze Your
Refinance Options
This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.
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Compare Today's
Mortgage Rates
Browse today's rate comparisons to see which individual mortgage terms make the most sense for you.
Get Started NowYour Home Loan Could Be
Fully Funded 21 Days From Now
Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Joshua Crater’s Team at Watermark Home Loans for your home loan or refinance, you can get your money and do what you want with it - usually in less than 21 days.
Get Your Mortgage Rate Quote in Just 5 Minutes!
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below: