Speak with Joshua Crater Mortgage Expert (949) 278-0766
  • 			    Watermark Home Loans
  • 			    More than just your Lender.

    More than just your Lender.

  • 			    Get up-to-date Rates and More.

    Get up-to-date Rates and More.

  • 			    Watermark Home Loans
  • 			    The Perfect Home Is Waiting for you.

    The Perfect Home Is Waiting for you.

Rates As Low As

3.98% APR*

Personalized Quote in a few minutes!

$0 Closing Cost Options Available

Purchase, Refinance or Cash Out

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Loan Programs

Get a rate & payment that won't change

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Mortgage Calculators

What can you comfortably afford?

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Welcome to Joshua Crater's Home Loan Team website.

We are proud to be working with the Watermark Home Loans family since 2007. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

Today's technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.

We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to tailor a loan that is exclusively for you.

We are dedicated to making lending easy for you and are happy to assist with any questions
you have regarding your home loan process. 

Please call/text me direct at 949-278-0766 with any questions.


Joshua C. Crater

Mortgage Banker, CMP, CMPS

Watermark Home Loans

Direct Office: (949) 576-2131

Cell/Text: (949) 278-0766 

Secure Fax: (949) 613-5644 

Email: JoshuaCrater@BestHomeLoanRates.com

NMLS: #218312 | Company NMLS #1838


Our Office Address:

Watermark Home Loans

Attn: Joshua Crater Team

100 Spectrum Center Dr Ste 150 Irvine, CA 92618


“Choose a good reputation over great riches; being held in high esteem is better than silver or gold.”
Proverbs 22:1

What our Clients say ?

Lori B. – Los Angeles, CA
Josh Crater is by far the best loan officer I've ever used (and I've used many).  When I was first introduced to Watermark and Josh I was impressed by his willingness, drive and determination to do whatever it takes to get the job done. For example, Josh spent endless hours on the phone with creditors to cure certain credit mishaps on my report to be sure I got the best rate possible. On my second loan, Josh worked through the Thanksgiving holiday to make sure I got the best rate possible and close it prior to my tight deadline. He is a consummate professional; a team player and always kind and patient (even when I wasn't). Josh goes above and beyond to make sure you get the best loan possible. If you choose Josh you won't be disappointed! I HIGHLY recommend Josh and Watermark!!! 

If there were 6 stars, he'd get all 6!!!

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