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Watermark VA Loans Review

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Watermark is a California-based company founded in 2000. They provide mortgage services in the United States, specializing in Conforming, Conforming/Jumbo, Super Jumbo, FHA, and VA financing, with a variety of different types of loans. They are a BBB-accredited business with an A+ rating.

Watermark – Overview

Watermark Home Loans is a national direct mortgage lender specializing in a variety of purchase and refinance loans. Founded in 2006 and headquartered in Irving, California, the company strives to provide a simple approach to home loans, educating and advising consumers about products and services based on their particular needs. Watermark Capital Inc. is a Better Business Bureau accredited company with an A+ rating.

Services and Features

Watermark offers VA loans for veterans, active-duty personnel, and military families. Their exclusive products offer benefits such as competitive refinance options, higher loan amounts without down payments, and VA Interest Rate Reduction Refinance Loan options with no appraisal required. Watermark VA loans can help homeowners refinance up to 125% of the value of their homes with the possibility of locking in a low fixed rate. The company also offers also offers a variety of mortgage products, including conventional, jumbo, FHA, HARP, and Reverse HARP loans.

Types of Loans Offered by Watermark

Types of Home

Single Family Detached



Mortgage Options Offered

VA Loans

Fixed Rate Loans

Adjustable Rate Mortgages

FHA Loans

Jumbo Loans

HARP Loans

HARP Refinance Loans

Interest Only Loans

Reverse Mortgages

Mortgage Related Fees

Funding Fee

Waived for veterans with service-related disability

Appraisal Fee

Closing Costs

Property Insurance

May be required

Other Fees

May apply depending on the state



Loan approvals with Watermark are subject to standard underwriting guidelines, which may include credit history and score verification, an acceptable loan-to-value ratio, a clear and free property title, a minimum loan amount, among others. Watermark mortgage bankers are available to provide further qualification information over the phone and via email.


Watermark Rates will depend on the customer’s eligibility and the type of loan requested. Clients are advised of the volatility of rates, which may change without notice. To know more about Watermark’s VA loan rates, customers can contact the company directly.

VA Loans with Watermark

Watermark Home Loans makes the VA loan process streamlined and straightforward with fast pre-approval and competitive rates. With a no down payment option and the ability to provide borrowers with loans of up to 120% of the value of their homes, customers will find Watermark an excellent option for all their home loan needs. Furthermore, the company has garnered consistently positive customer feedback across different online platforms and is currently a BBB accredited business with an A+ rating.

Top Rated
Our Partner
10 / 10
  • Easier qualification compared to conventional loans
  • Quick, easy application process
  • Get the best rates by letting banks compete for your business
  • Calculate what you can afford with VA Loan Calculator
  • Free personalized mortgage rates in minutes

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Watermark VA Loans