What We Do

What we do is pretty simple — we always do the right thing for our clients and we make lending better!

We are one of the top lending teams in the nation, and we’ve been able to succeed by restructuring how the lending process works.

Traditionally, a loan officer talks to clients, works on documents, quotes rates and then passes it off to another department. This leads to confusion, unnecessary back and forth, inaccurate information being delivered, and a terrible overall experience for homeowners.

In contrast, we have four specialists in one office dedicated to each client we work with. Would you rather have a one-man band working on the largest financial decision of your life or an entire team of experts?

With 14 years of experience as a top producing loan officer, branch manager, and now a Vice President, there isn’t a situation Regan hasn’t seen or created a solution for.

(Not convinced? Check out our five-star Yelp page or our five-star Zillow profile for more client reviews.)

Over the years I have acquired 20+ home loans, and for many the process has been grueling. But I do have to say that the last several I have done with Regan and Watermark have been a breeze. They have the process down so there was very little stress on me. The elapsed time from application to close was well under 30 days. Other companies I have worked with would always come up with last minute requests, that would cause issues. I am glad my Realtor gave me Regan’s name and phone number. I will be sharing your name and number with my acquaintances and friends. Thanks for your superior service, and kudos to you and your team.

Ken, Redondo Beach

We were referred to Watermark by a friend who had high praise for the service that Regan Hagestad and his company delivered. From the initial email exchange through meeting in person and the final close of our refinance, we were given the utmost attention and care. Our specific needs were expertly assessed and our various options were explained in very clear terms. Unlike other companies we’ve contacted in the past, there were no surprises with Watermark (aside from how quickly we sailed through the process). We were informed of exactly what to expect every step of the way. We wouldn’t hesitate to recommend Regan Hagestad and Watermark Home Loans to any of our friends.

James and Lester, Los Angeles

When I bought my house I thought obtaining a mortgage would be a very time-consuming and confusing process. I could not have been more wrong. Working with Regan made the process quite simple to understand and his attention to detail and behind-the-scenes work led to a very limited amount of time spent on my part preparing documents, making appointments and figuring out what information I needed to provide. If you want to make sure you have the mortgage loan you need in time to close escrow on your new home, but you don’t want to be overwhelmed by excessive time spent on the details, I would strongly recommend you call Regan as soon as possible. Regan’s support and guidance leading me through the process of obtaining my mortgage and closing escrow exceeded all my expectations.

Sam and Erin, El Segundo

Regan Hagestad and Watermark Home Loans provided us the confidence and level of expertise we needed to navigate a very quick 21 day closing on a home that posed many challenges. We appreciate the professionalism Regan exuded which made buying our first home in Manhattan Beach a huge success. After speaking to other local lenders we can acknowledge Watermark as the premier lender in the South Bay and we highly recommend Watermark Home Loans to anyone looking for home financing.

Kyle and Katie, Manhattan Beach

It was awesome working with you and I will refer you to everyone given your experience with VA loans. Your attention to detail and responsiveness at all hours made my job easy. Your knowledge, experience, and willingness to go the extra mile really exceeded my expectations. My past loan experiences don’t even compare to your service and programs. I highly recommend Watermark and Regan for any any type of home financing that someone may need. Thanks Regan for everything!

Brandon, Manhattan Beach

Having done about 30 real estate transactions, including 4 this year Regan helped me with my most recent acquisition. I was put in touch with Regan through my Realtor and he was exceptional in handling the process, if not the best I’ve ever worked with. He truly has a deep understanding of all the different and changing nuances that go into the loan process and he was realistic in setting expectations. The loan process completed on-time, without any surprises and I definitely look forward to working with Regan on my next transaction.

Chris, Hermosa Beach

Homeowners deserve better than what the industry has given them.

We solve the dreadful mortgage process by giving them a highly qualified, professional and honest lending experience.

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Why a Dedicated Team of Expert Matters

Matt has an accounting degree and worked in a Fortune 500 companies accounting department, so the term “complex documentation” doesn’t exist in his vocabulary.

Christa has been a top processor in the mortgage industry for over 10 years, so ensuring that files are moving forward on time and all loan disclosures are correct is a walk in the park.

Debbie is our teams operations manager who reviews, underwrites and manages all of our clients documents.  For years we’ve heard people in the industry blame issues on the “underwriter.”  So we hired the former underwriting supervisor at JP Morgan Chase to underwriter our clients files before it even gets to a formal underwriter.  Who better to talk to and negotiate with an underwriter than a former underwriter?