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* Mortgage loans are subject to qualification, receipt of satisfactory appraisal and verification of income, asset and debt information provided by the customer. Final approval and extension of credit is contingent upon the receipt and review of documentation and verification of the following: a signed, completed residential loan application, income and asset documentation, property appraisal supporting needed value, and final credit review. Fees & charges apply and may vary by product and State. Subject to underwriting approval. Application required; not all applicants will be approved. Full documentation & property insurance required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Taxes & insurance extra. Terms, conditions & restrictions apply.
Include all of you and your co-borrower's monthly debts, including:

  • Minimum credit card payments
  • Car payments
  • Student loans
  • Alimony/child support payments
  • Any house payments (rent or mortgage) other than the new mortgage you are seeking
  • Rental property maintenance
  • Other personal loans with periodic payments

Do NOT include:

  • Credit card balances that you pay off in full each month
  • Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
  • The new mortgage you are seeking

City, ST Zip:  ,
Include all of you and your co-borrower's annual income before taxes, including:

  • Annual base salary (before taxes and expenses are deducted)
  • Any recurring commissions, bonuses, overtime, and tips that you expect to continue
  • Rental income, stock dividends, investment income, etc.
  • Any alimony/child support payments you receive

If you are applying with a co-borrower, the credit score should be the lowest credit score between the two borrowers.

Privacy Policy for

You take your privacy seriously and so does We are a company committed to protecting the personal information of visitors to our web sites and web pages. This policy is one way of sustaining your trust in our company, our products and our services.

This Online Privacy Policy applies only to the, web sites and web pages from which you directly linked to this policy. This Policy applies only to the collection and use of information you provide online.

Our Online Privacy Policy describes the information we collect from and about you during your visit to our web sites and web pages. Our privacy policy also describes how we use information about you whom we share it with, and how we protect it.

Our web sites and web pages may contain links to third party sites not controlled by, or covered by this Online Privacy Policy. We recommend that you check the privacy statement of other sites you visit before providing any personal information.

What Personal Information does Collect Online?

We collect personal information about you from the information you provide to us when you visit our web sites and web pages.

The information will depend on the, web site or web page you visit.

This information may include:

  • Name
  • Address
  • Social security number in whole or in part
  • Telephone number
  • Email address
  • Email referral information
  • Date of birth
  • Current residential information including mortgage or rent payments
  • Income information
  • Other Information relating to your loan request
  • How Do You Use the Personal Information You Collect About Me Online?

    We use the personal information we collect online to process your request for services, products or information. For example, we may use the information you provide when you complete an online, Express Credit Application to process and evaluate your application. If you request product information, we may use the information you provide to mail you more information about your request.

    We may also use the information we collect for analytic purposes, market research or for marketing purposes, as allowed by law.

    Do You Share the Personal Information You Collect About Me Online?


    Do You Use Cookies or Other Online Technologies to Collect Information About Me?

    When you browse or visit one of our web sites, we may store certain information on your computer. This information may be in the form of a small text file called a "cookie" and can help us to tailor our sites to your individual preferences and save you time if you visit the site again. For example, cookies may include the country webpage you prefer or your language preference. Where specific programs associated with our web site require a user ID and password, you have the option of requesting that we save your user ID and password so that you will not have to re-enter that information the next time you access the web site. This is accomplished by the placement of a cookie on your computer.

    We may also use cookie technology or other online tracking technologies, like web beacons, to gather anonymous, aggregate information about your visit to our web sites. This information allows us to measure site activity and to create ideas for improving our sites and may include the time and length of your visit, the web pages you look at on our sites, the web site you visited before coming to ours and your internet service provider. If we provide you a link from a, site to another site, we may track the fact that you navigated to that other site from ours, and we may track your activity while on that site. This will help us understand which links are helpful to you when you visit our site, and will help us provide you with links that may be of interest to you, when you visit our site again.

    How Can I Change or Update the Personal Information You Collected About Me Online?

    If you have questions about information you provided on a web site or web page, call the phone number on the "Contact Us" link provided on the specific web page, so that we may assist you. To unsubscribe, please email

    What Steps Do You Take to Protect Personal Information About Me?

    We restrict access to the information obtained from our web sites and web pages to our employees, agents and contractors. We maintain physical, electronic and procedural safeguards designed to protect your personal information. Please note that while will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.

    Your Consent

    By using this web site, you consent to the terms of our Online Privacy Policy and to processing personally identifiable information for the purposes given above. This policy is effective September 1, 2009. We reserve the right to alter the privacy policy at our discretion. Any changes to this policy will be posted on our web sites in a timely manner.

    #HtmlEditFormat(Application.loanAppSiteTitleFull)# is a dba of Watermark Capital. Watermark Capital is currently only doing business as #HtmlEditFormat(Application.loanAppSiteTitleFull)# in the following states; California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Indiana, Kentucky, Maine, Michigan, Massachusetts, Oregon, Pennsylvania, Rhode Island, Tennessee and Washington. If your state is not included in the #HtmlEditFormat(Application.loanAppSiteTitleFull)# dba state's listed above but you see it included in our state licenses listed below, your entire loan process will conducted under the name Watermark Capital since we have not yet completed the process of adding #HtmlEditFormat(Application.loanAppSiteTitleFull)# as a dba in your state. Unfortunately, if your state is not listed below then we are not currently offering our services in your state. We are adding new states frequently and we will update this page accordingly. Please contact us if you have questions.