Speak with Joshua Crater Mortgage Expert (949) 278-0766

If you had a great experience with Joshua, Jessica and the JCrater Team,

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Our Customers Love Us and We Love Them!

We are in this business for one reason;

We Love Going Above and Beyond to Impact Our Customers Lives in Meaningful Ways.

Below are a Few Recent Reviews from Awesome Customers:


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!!!



Rod V. – Garden Grove, CA
Josh and his team at Watermark Home Loans is as good as it gets. Very knowledgeable, responsive, thorough, and just a great team to work with.. Josh and his team were our loan professionals when purchasing our home in December 2015. Josh was a pleasure to work with from start to finish. He was able to help bump our credit to the next tier to get us the best possible loan we could get. He definitely doesn't mind going the extra mile to get things done. We are extremely satisfied with their service and professionalism. I would highly recommend Josh and his team to anyone looking for a home loan.



Steve J. – Tustin, CA - REALTOR
We have been working with Josh going on 8 years now. He works with our clients from start to finish and helps with all aspects of the mortgage and loan approval process. Something Josh and his team does that not many other people do these days, is help repair credit issues! This is critical when getting people the maximum loan value approved! As a Real Estate Broker and Agent, we trust Josh and his team with our own Mortgage approvals. We have used him for our rental properties and our personal homes. Putting your families future in Josh Craters hands is a no brainer!



Roberto V. – Altadena, CA
Joshua Crater at Watermark Home Loans is simply the best.  Josh was referred to me by a coworker who had worked with Josh on multiple transactions.  Josh's vast knowledge of the industry and products provide him with the platform to be able to offer you the best loan program out there.  Josh is a consummate professional, often working and addressing inquires after hours and on weekends.  Josh is honest and transparent and truly cares for the success of his clients.  Josh's team of loan officers is also very knowledgeable and professional. In addition to the attributes listed above, Josh is also a financial wizard.  Josh possess the skills set to evaluate a large set of financial data and assess the best course of action for your specific situation. Josh has been instrumental in my journey to owning multiple properties. I highly recommend Josh.



Rick M. – Redondo Beach, CA
Well, Josh and Jessica from Watermark Home Loans came to our rescue AGAIN!
If you are going to get a Refi or new loan...go, make that run to Watermark Home Loans. They are HONEST, honest! They were there throughout the entire time of the process. They are awesome!
We are extremely pleased with this company. Go figure, a company that actually cares and takes care of their customers.. WOW! Because of Josh & Jessica at Watermark Home loans, we are having the BEST Christmas ever!!!!!! Sincerely, Rick and Cheryl



Jacques D. – Newport Beach, CA
Joshua Crater is a pro! He was able to get me the lowest rate compare to the competition and he dealt with all the issues along the process very efficiently, solving all the problems quickly. He or his team members always responded to my questions and concerns quickly, and I felt very confident that he would help us in the process of buying the house we wanted. I only can recommend him, his team and Watermark loans to anyone looking for a Home loan. Thank you Josh - Jacques



Shannon G. – San Pedro, CA
When we needed to refinance and pull cash out of our home, we contacted Joshua Crater at Watermark. We had worked with him in that past, so it was an easy choice to go back to a mortgage banker who would get the job done. Joshua and his staff helped walk us through the whole process. He even helped locate a termite company that we were very pleased with. Now we have a great new low rate loan and we were able to pull out even more cash than we thought possible.


Jeff G. – Fountain Valley, CA
Josh and the team exceeded our expectations! The purchase of our home could have been a very challenging one for us due to the house was in a probate sale. But do to the knowledge professionalism and customer service Josh and his team went above and beyond our needs to help guide and direct us into the right direction as to what steps we need to follow to make the purchase happen. Josh and team truly looked out for our best interest and was always there for any questions or concerns we had during the process. I would highly recommend Josh and team to anybody and I look forward to working with Josh and his team on future purchases.


Eric K. – Irvine, CA
Josh is a very high integrity individual which is priceless when it comes to doing a large value financial transaction like a mortgage. He has a lot of experience and does a great job of taking care of the small details. I highly recommend you at least speak to him if you're in the process of purchasing or refinancing a home.

Dan O. – Huntington Beach, CA
Josh Crater did our refinance, we plan to use him again for another home purchase. Josh got it done quickly, I have worked with other lenders and Josh is the best by far. Josh is a pleasure to work with and look forward to using him again. Highly recommend using him and Watermark.



Cindy L. – San Francisco, CA
When I needed to Refinance and pull cash out of Historical Victorian 3 unit in San Francisco, I couldn't find a Bank or Lender that would help at a reasonable rate, that is when a family member recommended Joshua Crater at Watermark. His staff helped walk me through the whole process, from application to funding. Now I have a great new low rate loan and I was able to pull out even more cash than I thought possible!



Ken D. – Huntington Beach, CA
Joshua Crater and his team really paid attention to our special needs!  We were relocating out of California to Virginia, and the Watermark team went out of their way to work with the relocation company and idntify for us all the possible options for funding on our new house.  They helped us understand some kinks in the funding process we ran into because of the relocation restrictions and narrow down to the best option to get our financing through in time.  I couldn't have asked for or expected a more attentive and professional experience on what could otherwise have been a very stressful process!



Nancy S. – San Clemente, CA
Just completed the refinance of our home with Joshua Crater and his exceptional team. We have never had anyone work so hard to save us money. Not only is his service impeccable, but he seems to genuinely care about getting you the best loan. We are extremely satisfied with his service and will we be recommending him to everyone we know.



Scott R. – Huntington Beach, CA
Great job & great rate for my HB Refinance!  Josh Crater and his team helped us find the best plan for our circumstances and communicated well when things slowed down a bit due to our self-employed status.



Karyn P. – San Clemente, CA
Great rates and awesome customer service! I had to write a review after working with Joshua Crater and his team on the refinance of my home in San Clemente, CA. A friend had referred me to Joshua and I have to say that I was very impressed at his level of knowledge and experience in the mortgage industry. My credit report had a few minor errors, he was able to fix them for me and had me qualified for a jumbo 30 year fixed in a very short period of time. Their rates are better than the major banks I talked to and it is so nice to work with a company that actually cares about their customers and their reputation. I would highly recommend calling Joshua before applying with any other mortgage lender.


Jay M.  -  Laguna Niguel, CA
I have been in the Termite and construction business for many years and as a result I have encountered may loan officers. I was amazed at how Josh really worked to find the best solution for is client. He helped them avoid a fumigation which means they did not have to move out of their home for 3 days and lowered their cost also! Wow, I will recommend Josh every time!



Marlena L. – Westminster, CA
Josh was able to get us a great rate for our loan---3.375% on a 30 year fixed. We were first time home buyers and so pleased with the service provided to us. Josh is extremely knowlegable, easy to work with and always available to answer questions. I have already referred friends/family and will continue to do so in the future.


Brent H. – Vista, CA
Joshua at Watermark Home Loans helped me save over $900 per month by helping me refinance my condo. I have a small investment property I purchased in 2009 with an FHA loan. My family out grew the place and I currently have a tenant in the unit. He was able to save me over a percentage point on my loan AND helped me pay off old debt that I have had for many years. The in pocket savings is over $900 each month. I am now in a position where I can start saving for another home purchase.  I know what company I will be using for my Mortgage Solutions from now on and I would highly recommend their services to anyone.



John K. – Sacramento, CA
I definitely have enjoyed working with Josh these past two times and would highly recommend him and his team to anyone looking to refinance or a applying for a new loan.  Josh provides more than a basic service and really cares about his clients.  An example was his proactive thinking and success to reduce our interest rate when we were locked into a higher rate.  How many other agents would do this or even think about getting a lower rate for their clients.



Josephine V. – Costa Mesa, CA
Recently I had to refinance my home loan. It was complicated as I had to include two of my children due to the death of my husband. It was an involved process with much work to be done by Josh and Jessica Crater. They both worked diligently on the matter and found us a loan with a very low interest rate. We appreciate their patience and their help with us step by step and always there to answer any questions. We highly recommend them 100% as that is how they worked for us. They are an awesome team we would have been at a loss without them. Thank you!



Joel G. – Vista, CA
Josh is fantastic to work with. Integrity, professionalism, and copious industry knowledge are just a few things you can expect when working with Mr. Crater and his team. I can't recommend him highly enough, and look forward to many more transactions in the future!



Chris C. – Huntington Beach, CA
Joshua was extremely knowledgeable and helpful for my wife and I to understand our home purchase options. I have worked with many mortgage people over the years and I will definitely be recommending Joshua Crater to all my friends and family for any mortgage needs.



Sheryl S. – Orange, CA
Really great working with Josh Crater and the Watermark Loan team. We were trying to relocate the Central Coast for almost a year. Josh was so patient and understanding while we made offer after offer on different houses. He answered all our questions and helped us get the absolute best rate. We couldn't have done it without Josh. Highly recommend!



Matt A. – Westminster, CA
Josh played a pivotal role in my home buying experience. With his vast knowledge of the business and willingness to answer all my questions, he made the process go seamlessly. Josh is a great person work with and I would definitely use him for future needs.



Rob V. – Mission Viejo, CA
Josh was able to provide us with a very competitive rate for our refinance even though I was an employee of one of the largest banks. Josh is extremely knowledgeable and was always available to answer any questions we had. I highly recommend Josh and would not hesitate to use him again.