Client Stories & Reviews

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Explore our curated suite of modern mortgage solutions. From first-time purchases to tapping your home’s equity, we provide direct-lender speed with boutique service.

★★★★★
"I never felt like just another client—they truly cared about helping me achieve the best outcome."

"From day one, the entire team made me feel like I was in great hands. They were professional, responsive, incredibly knowledgeable, and always took the time to answer my questions and explain everything along the way. What really stood out to me was how genuinely invested they were in making the process as smooth and stress-free as possible."

Randie S.

— Homebuyer
Verified Google Review

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★★★★★

"Transparent costs, competitive rates."

"I secured my mortgage with a VA loan... All the loan-related costs were explained upfront and there was no surprise fee at the end; I appreciated his transparency. He also had very competitive rates and allowed some flexibility with rate match."

— Jae C., Verified Buyer

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Keep your historically low first mortgage rate. Tap your home's value with a fixed loan or line of credit.

★★★★★

"They were unable to match the rate Watermark provided."

"I worked with them for my first house mortgage and I cannot recommend them enough! ... They made sure that my rate was locked and ready for me to go. Thank god for his foresight because right after that day, the rates started rising. Very straightforward and kind from the beginning."

— Vivian P., First-Time Buyer

★★★★★

"Peace of mind and excellent service."

"This is the second time I’ve refinanced with Watermark and, in both instances, they offered the best rate and were quick to close... They have a secure online portal for submitting and reviewing financial docs which gives me peace of mind that sensitive info isn’t kept in someone’s email inbox."

— Daniel W., Repeat Client

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★★★★★

"The best mortgage advisor I have worked with so far."

"I found Watermark Capital after wasting almost 2 years with mortgage finance organizations... She truly has been the best mortgage advisor I have worked with so far, helping me close the purchase of my home with an interest rate I could not get elsewhere... reducing complexities by sticking to essentials."

— Frank O., Out-of-State Buyer

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3 months ago

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We had an outstanding experience working with Martin and his team at Watermark while purchasing our first home. As first-time homebuyers, the process felt overwhelming at times, but Martin guided us every step of the way with professionalism, patience, and expertise. His team was responsive, professional, and kept everything moving smoothly from start to finish. Their communication and attention to detail made what could have been a stressful process feel easy and manageable. We are so grateful for Martin, Dana, and the entire Watermark team for helping us buy our first home. We couldn't have asked for a better lending partner and would highly recommend them to anyone looking for a knowledgeable and customer-focused mortgage team. Thank you for helping make this milestone possible!

3 months ago

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Ron and Dana were outstanding in their attention to detail, professionalism, and assistance.

3 months ago

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I'm glad I found this lender. They offered a competitive rate and reasonable closing costs. Mike and Dana were very helpful throughout the home-closing process. They responded quickly to my questions, and the loan closed quickly as well.

4 months ago

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Worked with Ron Trejo to sort a refinance when I was buying an ex out of a house. He was very patient as the process (due to issues on my end with the ex) was dragged out a bit longer than it should have been. Definitely recommend, and I would refinance through them in the future!

5 months ago

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Douazong Lee Was amazing through out the process. She was very honest and trustworthy. She was always available to help. She gave us the best rate and we are very happy.

6 months ago

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The Finest Customer Service ... Period! I had the good fortune to reach Edie, Senior Servicing Manager for the bank when I had questions about our mortgage. She was one of the most knowledgeable financial professionals I have ever spoken with. She was preparing for an important meeting (which usually results in a transfer to another person/department). Did this happen? ... NO it did not. Despite her need for uninterrupted focus, she took my call, never made me feel rushed, and answered all my questions ... which took a good 15 minutes out of her day. One of the qualities I relished most about Edie was her enthusiasm and sense of humor. I felt like I was speaking with a good friend that really cared about me. I wish all my interactions were like that. Edie even went so far as to email me all the documents that I needed AND gave me her direct line, just in case I had more questions ... Who does that?? ... Clearly someone that loves their job and puts the bank's customers first. Watermark Capital is lucky to have Edie! If I could give her 10 stars I would. She's just that good. PS. If you're looking for an exceptional bank ... look no farther than Watermark Capital. I've had my mortgage with them for years and they are one of the most responsive and helpful banks I have ever dealt with.

6 months ago

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My wife and I recently worked with Douazong Lee and Stephanie Marroquin and our experience could not have been more courteous, insightful and professional. Not only did we complete our mortgage refinance in less than a month but the interest rate and closing costs were the best we could find. We highly recommend Watermark Capital, Inc and Douazong and Stephanie! Gib and Jane Fugate, West Lafayette, IN

6 months ago

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This is the second time I’ve refinanced with Watermark and, in both instances, they offered the best rate and were quick to close. Mike Greenberg and Dana Chupp are a breeze to work with and really do put in the effort to provide excellent service. They have a secure online portal for submitting and reviewing financial docs which gives me peace of mind that sensitive info isn’t kept in someone’s email inbox. I wouldn’t hesitate to refinance with Watermark again.

7 months ago

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We worked with Ron Trejo at Watermark to refinance our mortgage, and it was an extremely positive experience. Ron was honest, knowledgeable, and always available when we had questions about numbers or next steps. It's a big decision, but Ron and Watermark made it a pleasant one.

7 months ago

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We had a great experience refinancing our home loan with Watermark Capital, Inc. Ron was responsive and thorough. He made sure we understood each step of the process and provided a clear and smooth experience.

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