AMAZING! Me and my husband had so many problems with getting approved for a house with a different company, but we tried again with mark and it was super fast and easy. He was so helpful so was his entire team! I am so thankful they took the time to help us and we are in the process of closing on our first home !!!

Mark is super straight and honest and super fast in his communication. There aren’t enough positive adjectives to describe my experience with Mr. Martinez In this day of dog eats dog, he’s a refreshing break

Mark and his team are customer service-focused with excellent communication. Mark makes an extra effort to ensure that all parties fully understand the process and progression. He takes the time to explain things in detail and in a way that makes you feel included and not overwhelmed. If you are looking for a lender that is honest, reliable, fun to work with, and someone that has your back, you HAVE to call mark!

I honestly have to say that every person on the team was fantastic. I like the approach of having specialization. I had confidence during the whole process. The proactive & educational approach was refreshing. I could focus on my part knowing others would do theirs. Mark, Brian, Lauren & Janice took excellent care of me each step of the way. The seller's realtor even told me what a pleasure they are to work with!!

My husband and I are first time home buyers and were looking to move out of state. We had been working with another lender for over 6 months that we feel had been giving us the runaround and was not responding well to us. I was sharing this with my mom, and she reminded me that Mark is able to do home loans all across the country. I called him and immediately got ahold of him. I shared with him what our struggles and challenges have been, and he got to to work right away. He shared with us a creative way to get approved for home loan financing and got us approved for more than we needed. He has guided us through the process and has been a true advocate for whatever was best for us and our young family. We are scheduled to move into our new home next month, in time for Christmas and prior to the next addition to our growing family is born. There is no way we could have got this done with out Mark's guidance. Thanks, Mark. You and your team have been amazing!

This is long overdue, but thank you for the excellent service you provided to us. You were professional, kind, knowledgeable, and timely. All the things that are important during the refinance process. The process can be daunting to consumers, but you made it painless. We appreciate you!

I am a realtor and I first met Mark when he was doing the home loan for a buyer on a house in which I was representing the buyer. Mark was always professional, proactive, and was great with communication. I have a family member that was looking to relocate from one state to another and I introduced them to Mark. They repeatedly tell me how amazing he is!! Thank you so much, Mark, for taking time with them and the great customer service! You've taken so much stress off their minds.

It is a pleasure for my family and me to talk about Mark Martinez, his ethic, and his professionalism talk for himself. We were quite new in California and the USA in general, when we met him for the first time and to be honest we didn't have a clue of what to expect. He was patient, didactic, and charismatic. He guided us through the whole process and answered all of our questions with a smile. We are really thankful to him and we can proudly say that he was a key factor for us to get the house of our dreams. And it didn't end up there, he was always in contact and ready to help us with all this new adventure. For that and more we proudly recommend Mark Martinez and his team to anybody who is looking for a new house.

We were referred to Mark through a friends recommendation. I am very pleased with this loan experience; Mark’s knowledge and expertise helped me find the right loan, secure an even better rate than anticipated and the loan came in under cost!! I plan on using Mark for future deals and will recommend him to friends

Working with Mark has been one of the best experiences I have ever had. When my fiancé and I began looking at the possibility of purchasing our first home the whole process seemed very daunting and overwhelming. Mark was recommended to us by family who had worked with him in the past. We talked with him about a year in advance where he created a plan for us to follow in order to be as ready as we could be. Throughout that year we would touch base with him to get updates and make adjustments to our plan where needed. When the time finally came to find a home, Mark was extremely helpful. He not only was able to process our loan extremely quickly and in the easiest way possible for us, but he also provided us with advice and a peace of mind that we needed as we made it through the process of buying our first home. While Mark is an excellent businessman and great at what he does, he is an even better person and somebody that I would wholeheartedly recommend to anybody. Thank you so much Mark!

Mark Martinez, once again, has come through for us 100%! And this is the second time we've used his services to re-finance our mortgage. Mark stayed in contact with us on a weekly basis, sometimes even hearing from him 2-3 times/week. My husband is going through cancer treatment and Mark was eager to make this re-finance as quick and painless as can be. I would not hesitate to recommend him to anyone for any banking needs they have. From the bottom of our hearts, thank you Mark. God Bless You!

I just want to take the time to acknowledge and give KUDOS to Mark Martinez. He has been more than amazing from beginning to end with the process of my home purchase. Mark has great communication skills and knows what he’s doing. Without Mark I don’t know if I would have done it. His expertise shows. Thanks again Mark for ALL that you do! Eddy Marquez

When I was looking for a home loan, I shopped around and Mark was very competitively priced. He even personally intervened with the credit reporting agencies to get my scores as high as possible in order to get the best interest rate possible. Very good communication throughout the process and he and his team were very prompt to respond to my inquiries.

Mark and his team went WAY above and beyond their call of duty. My particular situation was extremely complex, mixing in matters of IRS liens, additional liens as well as massive credit issues (just to name a few of the challenges). There were many times I felt the loan was not going to happen, but Mark continued to press forward ensuring me he would make it work. Beyond several miraculous turnarounds, Mark was also very patient, clear and honest. I have never experienced such professionalism, know-how and persistence (all in my favor) than with Mark, and I've done well over 20 large loans in my lifetime. Great work Mark!

I highly recommend Mark Martinez! He had helped our daughter and her husband with their home purchase when moving from California to Atlanta, and everything worked out without a hitch. So I knew we would be in good hands with Mark when we decided to get a second home near them when our granddaughter was born. Because of Mark’s knowledgeable guidance, we knew going in with an offer the best course of action to take for our circumstances. As it turned out we are paying cash and won’t be getting a loan after all. But if the need ever arises, we will definitely be calling on him again.

We ended up being partnered up with Mark as a referral through a friend of our parents and had no idea what to expect. All I can say is "WOW!!!" We had such an incredible experience with Mark's team that I cannot write into words how pleased we were with how the whole team put together our transaction. We had an International purchase while living overseas which made so many pieces of our puzzle extremely tricky and they were able to handle every hurdle that came their way not only with success but met our time constraints with no problem. After working with them for a day, we knew we were in the right hands and we would NEVER want to make a decision of this size without them on our team. Anyone thinking of partnering with them, should do it and never look back. We will only partner with them moving forward and we can't recommend working them enough!!

Thank you so much, Mark and all your team for your professionalism, and commitment to excellence. There are no words to express how grateful we are for all you did for us. We very much appreciated the many ways you communicated with us and the way you explained. to us what to expect at every step of the way. Thank you for caring! We highly recommend you and your team! God bless your work!

Mark and his team gave us superior service that we didn’t even imagine. With Mark and his team, it was a totally different experience with special service and frankly they didn’t take much time and they were always on top of everything with a lot of electronic communication. I recommend Mark and his team to all my friends, family and anyone who is thinking about refinancing or purchasing a new property. They will make the process easy. We are very grateful to Mark Martinez and his team for doing a great job!

We recently made an offer on a home in California while still living in New Zealand. Mark negotiated on our behalf and worked tirelessly to meet an aggressive 30-day close. The seller was difficult, communicating with us internationally was difficult, and despite all this, they completed our end of the close 5 days early to make it as buttoned up and easy as possible. One of the differentiators was that Mark worked with the seller's agent to accept our offer, even though it was not the low bid... Amazing!

As an escrow company who works with many lenders on a daily basis, there are times that can be quite frustrating. However, Mark and Staci at Waterstone Mortgage are not one of those lenders! Their professionalism and attention to detail in getting the job done is unsurpassed! If your looking for a lender to get the loan done in a timely, professional manner, this is your go to company! Thank you to both of you for making our job easier and making the clients happy!

Mark and his team are customer service focused with excellent communication. We received weekly email or personal telephone calls with updates. I always felt like they were working on my loan and my loan only. Thank you Mark for making home buying easier for us.

Mark and his team are phenomenal!!! I will never work with anyone else, their customer service is second to none. I really value customer service and all of my questions were answered quickly and thoroughly.

Mark and his team are THE BEST! The mortgage loan process can be confusing and stressful and they made it so easy with weekly updates and super quick and thorough responses to all of our questions. I cannot recommend them enough and I truly feel like we were taken great care of from start to finish. I would give them more stars if I could!!

My husband and I were fortunate enough to be referred to Mark and his professional team at Waerstone by our Real Estate Agent. This was our first purchase together and we had no idea what to expect. Buying and selling a home can be very stressful, so we were so grateful to have good information, professionalism, options and excellent communication. We will absolutely work with Waterstone, and Mark specifically in future transactions!

Buying a home could be a very stressful time. When we started the process we weren't really sure what to expect, but Mr. Martinez team made our process easy and fast. although we never really met the team in person, they were there for us every step of the way. If we had a question they were always available which made our process more bearable. We had a less than 30 day Escrow, and I'm glad we chose Waterstone as our Mortgage Company. I don't think I will be in the market to buy and time soon but I sure would recommend Waterstone to other family and friends. THANK YOU Waterstone and Mr. Martinez.

Buying or re-financing a home can be very overwhelming. Having an honest, reliable and competent representative is as important as having the same characteristics in an attorney if you were to go to court. You would be foolish to due so without proper competent counsel. I have worked with Mark for over the past 10 years. I have purchased and refinanced several homes. Mark has been there for me (even while he was away on vacation) and able to answer my questions and ensure any issues were handled. Loans can be complex. They can be sold during the course of your mortgage. When issues arise with the loan company, Mark immediately pulls my file up, contacts the lender, asks straight forward questions and brings resolve with answers right away. Not only is Mark a true professional in the lending institution, he has become a personal friend. He is always calm, composed and personable. Never making me feel "stupid" when I ask those stupid questions about my loans. Am I going to get a toaster or commission if you go with Mark? No. But I will and do highly recommend Mark during any new purchases and/or refinance needs. In a world where customer service is lacking, Mark provides the utmost in customer service! Thank you Mark! Sam

Mark and his team communicated perfectly and consistently. The online portal worked well and there were no hassles. I would not hesitate to work with him again!. Very professional.

Mark is a great loan officer. Mark and his team are pleasure to work with. He hellped my clients all the way thru loan process. He is wonderful in keeping updated all the parties involved in transaction. I will not hesitate to refer him to any of my clients or friends. Thank you Mark for helping my clients and me closing the transaction..Wish you great success ahead.

Mark at Waterstone Mortgage was a pleasure to work with. I highly recommend him and his team for anyone who is looking to secure a loan. The team was thorough in all steps through the process and the wonderful thing about Mark is that he takes the time to explain each step in layman's terms so that I can understand each step of the process clearly and completely. He and his team were always responsive and accessible to problem shoot, answer any questions or just give words of encouragement along the way. Admittedly, due to circumstances outside of our control, our loan process became a great challenge but Mark, Renae and the whole team continued to work in order to make sure our loan went through. Even when we were ready to give up, they never did. I also loved being able to do so much online with Floify and their own mortgage portal. We are so happy and look forward to working with them again (without all the problems that had happened!) and highly recommend them to all our family and friends. Thank you Mark, Renae and the whole team for an amazing ending to our home buying journey!

Thank you so much Mark for your professionalism, highly ethical work, and your kindness.

Mark called me about his clients that were looking for a home in the greater Santa Barbara area. Since he is out of town, we met for lunch and had a great time getting to know each other. I found Mark to be extremely professional and friendly. Once we started with the process, Mark and his team were great to work with. They were in constant communication with both myself, our escrow officer and our clients. Our clients were extremely happy with the periodic updates, as was I, and it helped ease our clients "fears" through what can be, at times, a tough period. I would highly recommend Mark and his team to anyone that is need of a mortgage.

This is our second experience working with Mark. The excellent advise and the mortgage that he arranged for us last time is why we came back to him rather than using a number of other agents who wanted to service us. Our experience this time was just as good as before. As soon as he gathered the preliminary information he told us what our numbers would be and that proved to be exactly what we had at the final signing. The website provides access that facilitates an easy signature process. Questions were answered promptly and professionally. The entire team is outstanding.

Mark and his team have been fantastic assets in my home buying process. I recently moved to CA for a job and had a short time to purchase a house before my wife joined me here. Mark did an excellent job explaining every step in the process and answering any and all of my questions. I particularly liked the online resources which allowed me to keep track of the progress and securely upload documents. I definitely recommend using him and his team for your mortgage. Thanks for all the assistance Mark and Renae!

Me and my wife have known Mark for many years. We always have known Mark to be an upfront and honest Christian brother. Mark and his team manage the mortgage process from start to finish a very pleasant experience. We are more than eager to recommend Mark and Waterstone Mortgage to anyone looking for a highly reputable mortgage group.

As first time home buyers, working with Mark has been a fantastic experience. he has gone above and beyond guiding us through the process, following up, and answering any questions we may have. His extensive knowledge and experience, has taken some of the stress of the home buying process off our shoulders. We are extremely grateful to be working with him in this process, and look forward to becoming home owners with his help!

Mark and his team made the loan process so easy! They were in touch with me every step of the way and there were NO issues whatsoever.

This was the easiest refinance we have done yet... We had constant communication as to where we stood at each point of the process and all of our questions were answered. Mark really took the time to know what my situation was and helped me figure out the best option that would help our house hold out financially in the long term. The portal they use for organizing made signing documents very easy and the whole team was so nice and helpful. I will be recommending Waterstone to anyone I know that is looking for mortgage needs.

I highly recommend referring your clients to Mark Martinez at Waterston Mortgage. I had asked Mark to call the listing agent the day before me & my client met with the seller and his agent. He so thoroughly reviewed my client's qualifications with the listing agent that she called me and said, "As long as we agree on a price, this is a done deal!" She went on to gush over Mark and his professionalism. She told me later that she felt so confident about recommending that her client come to an agreement with this buyer after speaking with Mark. She knew that her client was dealing with some tough financial issues and didn't have the time to go back on the market should something go wrong. I was able to negotiate a better price for my client and all parties were ecstatic! We ended up having some trouble with uncooperative tenants. The listing agent worked so very hard to keep the deal together knowing that she had the best buyer & lender possible and that the alternative was not in her client's favor to lose this deal. I don't know that I could name one thing that makes Mark and his team a better choice...sometimes it's in the little details. Your clients will understand this and thank you for the referral many times. Give Mark the opportunity...you'll make a lot more money because you did. - Alisa, Realtor

Mark and his team made the loan process so easy to understand and were very helpful the whole way. If you're a first time home buyer (like us) with little or no knowledge of how mortgages work, we highly recommend Mark because he will guide you patiently from start to finish~ Thanks again for helping us get our dream home!!

Wow, where do I begin. I have so many wonderful things to say about the Waterstone Mortgage group. Let me start from the beginning. My wife and I decided to entertain the idea of buying our first home, so we reached out to my agent and fabulous sister-in-law Sandy Mittry. She was very excited for us and couldn't wait to get started. She told us to get in contact with Mark Martinez from Waterstone Mortgage. Mark took the time to come to our (rented) home and begin what I thought would be a grueling process. Mark understood that I didn't speak the home buyer language but took the time to explain as many times as necessary to make sure I understood the process. The road to home ownership began. I have never felt so well taken care of when making a HUGE decision like this. I have been given a gift from God who has provided me with knowledgeable people, people of integrity, who are open and sincere to a point that it seems run on autopilot. They care about the customer and of course their reputation, both of which in my estimation will never be in jeopardy when conducting business the way they do. They are true professionals. Mark has been my guiding light throughout this process. I thank the Lord above who provided me with the people here on earth, to make this this most rewarding experience of my, and my wife's life. My sincere thanks to Mark and his team who I do not want to forget, Renae Alanis Marie Wilson, thank you all for your efforts and making this a very pleasant journey. My wife and I are very close to closing and move in to our new home, it moved so smoothly. I attribute this to the good Lord above and the people he put in my path. If home ownership is your next decision, end your search and choose Mark Martinez and his team from Waterstone Mortgage, you'll be so happy you did. And also if you’re looking for the best Real estate agent choose Sandy Mittry, there is no finer, harder working person I know who pays particular attention to every detail. Happy home hunting. :)

Mark and team are very impressive and provide excellent results! I highly recommend Mark and his team to anyone looking for a solid, honest and trustworthy lender. Nice work!!

Mark at Waterstone Mortgage did a wonderful job of explaining the lending process for our clients home in Orange County. Mark was responsive to our clients many questions and sensitive to the challenges our client needs. Once we completed our conference call, our client hired us and signed the listing agreement. Mark is very professional and we highly recommend Mark!

Mark insight into the complex world of funding for my new homec was crucial to insure fundiing for my new home. Was seamless and stresss free. His team of professionals was outstanding and always helpful as we navigated through everything required to close ahead of schedule so I could enjoy my new home before the 4th Holiday! Thank you team as I look forward to the next opportunity to work with everyone at Waterstone in the future .

I have dealt with multiple loan consultants in the past. But I have never had a loan consultant like Mark and Renae. They are the best of the best. They both explained the process step by step and made me feel like they truly appreciated my business. They took care of my family from beginning to end. It is my pleasure to refer their services, I am confident that once you have worked with them you will feel the same.....Thanks again Mark and Renae for all you have done for me and my family it has not gone unnoticed. Respectfully Submitted Manny Watson

Mark and Renae at Waterstone Mortgage did a wonderful job of helping my wife and me successfully navigate the lending process for our new home in Orange County on a tight schedule. Mark was responsive to our many questions and sensitive to the challenges we presented as relocation buyers with my wife and I temporarily living two time zones apart. Mark and Renae also were very helpful in smoothing over some of the annoyances caused by other stakeholders associated with our transaction. To the extent that effective customer service is an important factor in choosing a mortgage lender, I highly recommend Mark and his team!

I was introduced to Mark through my real estate agent Jim Holmes. Right out the gate I knew that Mark had our best interests in mind. He picked up the phone every time i called, answered every question i had in detailed and educated me through the entire process as this was my first time buying a home. I felt very confident that i had been coached and advised in every important decision i had to make. he even showed up to walk me through the signing of the closing docs with the notary. I would refer Mark to any friend or family member i know! You are in good hands with Mark!

I had the pleasure of meeting Mark to discuss ways to qualify for a mortgage and what it all entailed. His detailed review and clear explanation of the process made the entire process easy to understand. I look forward to using Mark for my mortgage needs and highly recommend him to anyone in the same situation. .

I was introduced to Mark through my real-estate agent Teri Pastor. I would just like to say that from our first phone conversation I felt very comfortable with Mark and felt that he had my best interest at heart. He is very caring and even prayed with me a couple of times with meant a lot to me and my wife. I did not end up using Mark because we decided not to sell our house and purchase another at this time although if we decide to do so in the future we would most definitlty be calling Mark . Thank You Mark and God Bless

Mark and his team did a fantastic job on my recent Re-Fi. The process was very thorough and very painless. If I had to do it again I would go to Mark in a heartbeat!

I have known Mark Martinez as a business associate for quite someone and went to him first when my investment property required a refinance. In the past Mark has been generous with his time with a non-profit association where I volunteer. Based upon that generosity I knew that I would receive superior service. Even though my circumstances were difficult, he found a solution. His associates were extremely helpful. If I had a question, my phone call or email was answered within on business day. I knew I had a team working hard on my loan. I am ecstatic to have my property refinanced and am not sure it would have been completed otherwise. I will recommend Mark to all of my friends.

AMAZING! Me and my husband had so many problems with getting approved for a house with a different company, but we tried again with mark and it was super fast and easy. He was so helpful so was his entire team! I am so thankful they took the time to help us and we are in the process of closing on our first home !!!

Mark is super straight and honest and super fast in his communication. There aren’t enough positive adjectives to describe my experience with Mr. Martinez In this day of dog eats dog, he’s a refreshing break

Mark and his team are customer service-focused with excellent communication. Mark makes an extra effort to ensure that all parties fully understand the process and progression. He takes the time to explain things in detail and in a way that makes you feel included and not overwhelmed. If you are looking for a lender that is honest, reliable, fun to work with, and someone that has your back, you HAVE to call mark!

I honestly have to say that every person on the team was fantastic. I like the approach of having specialization. I had confidence during the whole process. The proactive & educational approach was refreshing. I could focus on my part knowing others would do theirs. Mark, Brian, Lauren & Janice took excellent care of me each step of the way. The seller's realtor even told me what a pleasure they are to work with!!

My husband and I are first time home buyers and were looking to move out of state. We had been working with another lender for over 6 months that we feel had been giving us the runaround and was not responding well to us. I was sharing this with my mom, and she reminded me that Mark is able to do home loans all across the country. I called him and immediately got ahold of him. I shared with him what our struggles and challenges have been, and he got to to work right away. He shared with us a creative way to get approved for home loan financing and got us approved for more than we needed. He has guided us through the process and has been a true advocate for whatever was best for us and our young family. We are scheduled to move into our new home next month, in time for Christmas and prior to the next addition to our growing family is born. There is no way we could have got this done with out Mark's guidance. Thanks, Mark. You and your team have been amazing!

This is long overdue, but thank you for the excellent service you provided to us. You were professional, kind, knowledgeable, and timely. All the things that are important during the refinance process. The process can be daunting to consumers, but you made it painless. We appreciate you!

I am a realtor and I first met Mark when he was doing the home loan for a buyer on a house in which I was representing the buyer. Mark was always professional, proactive, and was great with communication. I have a family member that was looking to relocate from one state to another and I introduced them to Mark. They repeatedly tell me how amazing he is!! Thank you so much, Mark, for taking time with them and the great customer service! You've taken so much stress off their minds.

It is a pleasure for my family and me to talk about Mark Martinez, his ethic, and his professionalism talk for himself. We were quite new in California and the USA in general, when we met him for the first time and to be honest we didn't have a clue of what to expect. He was patient, didactic, and charismatic. He guided us through the whole process and answered all of our questions with a smile. We are really thankful to him and we can proudly say that he was a key factor for us to get the house of our dreams. And it didn't end up there, he was always in contact and ready to help us with all this new adventure. For that and more we proudly recommend Mark Martinez and his team to anybody who is looking for a new house.

We were referred to Mark through a friends recommendation. I am very pleased with this loan experience; Mark’s knowledge and expertise helped me find the right loan, secure an even better rate than anticipated and the loan came in under cost!! I plan on using Mark for future deals and will recommend him to friends

Working with Mark has been one of the best experiences I have ever had. When my fiancé and I began looking at the possibility of purchasing our first home the whole process seemed very daunting and overwhelming. Mark was recommended to us by family who had worked with him in the past. We talked with him about a year in advance where he created a plan for us to follow in order to be as ready as we could be. Throughout that year we would touch base with him to get updates and make adjustments to our plan where needed. When the time finally came to find a home, Mark was extremely helpful. He not only was able to process our loan extremely quickly and in the easiest way possible for us, but he also provided us with advice and a peace of mind that we needed as we made it through the process of buying our first home. While Mark is an excellent businessman and great at what he does, he is an even better person and somebody that I would wholeheartedly recommend to anybody. Thank you so much Mark!

Mark Martinez, once again, has come through for us 100%! And this is the second time we've used his services to re-finance our mortgage. Mark stayed in contact with us on a weekly basis, sometimes even hearing from him 2-3 times/week. My husband is going through cancer treatment and Mark was eager to make this re-finance as quick and painless as can be. I would not hesitate to recommend him to anyone for any banking needs they have. From the bottom of our hearts, thank you Mark. God Bless You!

I just want to take the time to acknowledge and give KUDOS to Mark Martinez. He has been more than amazing from beginning to end with the process of my home purchase. Mark has great communication skills and knows what he’s doing. Without Mark I don’t know if I would have done it. His expertise shows. Thanks again Mark for ALL that you do! Eddy Marquez

When I was looking for a home loan, I shopped around and Mark was very competitively priced. He even personally intervened with the credit reporting agencies to get my scores as high as possible in order to get the best interest rate possible. Very good communication throughout the process and he and his team were very prompt to respond to my inquiries.

Mark and his team went WAY above and beyond their call of duty. My particular situation was extremely complex, mixing in matters of IRS liens, additional liens as well as massive credit issues (just to name a few of the challenges). There were many times I felt the loan was not going to happen, but Mark continued to press forward ensuring me he would make it work. Beyond several miraculous turnarounds, Mark was also very patient, clear and honest. I have never experienced such professionalism, know-how and persistence (all in my favor) than with Mark, and I've done well over 20 large loans in my lifetime. Great work Mark!

I highly recommend Mark Martinez! He had helped our daughter and her husband with their home purchase when moving from California to Atlanta, and everything worked out without a hitch. So I knew we would be in good hands with Mark when we decided to get a second home near them when our granddaughter was born. Because of Mark’s knowledgeable guidance, we knew going in with an offer the best course of action to take for our circumstances. As it turned out we are paying cash and won’t be getting a loan after all. But if the need ever arises, we will definitely be calling on him again.

We ended up being partnered up with Mark as a referral through a friend of our parents and had no idea what to expect. All I can say is "WOW!!!" We had such an incredible experience with Mark's team that I cannot write into words how pleased we were with how the whole team put together our transaction. We had an International purchase while living overseas which made so many pieces of our puzzle extremely tricky and they were able to handle every hurdle that came their way not only with success but met our time constraints with no problem. After working with them for a day, we knew we were in the right hands and we would NEVER want to make a decision of this size without them on our team. Anyone thinking of partnering with them, should do it and never look back. We will only partner with them moving forward and we can't recommend working them enough!!

Thank you so much, Mark and all your team for your professionalism, and commitment to excellence. There are no words to express how grateful we are for all you did for us. We very much appreciated the many ways you communicated with us and the way you explained. to us what to expect at every step of the way. Thank you for caring! We highly recommend you and your team! God bless your work!

Mark and his team gave us superior service that we didn’t even imagine. With Mark and his team, it was a totally different experience with special service and frankly they didn’t take much time and they were always on top of everything with a lot of electronic communication. I recommend Mark and his team to all my friends, family and anyone who is thinking about refinancing or purchasing a new property. They will make the process easy. We are very grateful to Mark Martinez and his team for doing a great job!

We recently made an offer on a home in California while still living in New Zealand. Mark negotiated on our behalf and worked tirelessly to meet an aggressive 30-day close. The seller was difficult, communicating with us internationally was difficult, and despite all this, they completed our end of the close 5 days early to make it as buttoned up and easy as possible. One of the differentiators was that Mark worked with the seller's agent to accept our offer, even though it was not the low bid... Amazing!

As an escrow company who works with many lenders on a daily basis, there are times that can be quite frustrating. However, Mark and Staci at Waterstone Mortgage are not one of those lenders! Their professionalism and attention to detail in getting the job done is unsurpassed! If your looking for a lender to get the loan done in a timely, professional manner, this is your go to company! Thank you to both of you for making our job easier and making the clients happy!

Mark and his team are customer service focused with excellent communication. We received weekly email or personal telephone calls with updates. I always felt like they were working on my loan and my loan only. Thank you Mark for making home buying easier for us.

Mark and his team are phenomenal!!! I will never work with anyone else, their customer service is second to none. I really value customer service and all of my questions were answered quickly and thoroughly.

Mark and his team are THE BEST! The mortgage loan process can be confusing and stressful and they made it so easy with weekly updates and super quick and thorough responses to all of our questions. I cannot recommend them enough and I truly feel like we were taken great care of from start to finish. I would give them more stars if I could!!

My husband and I were fortunate enough to be referred to Mark and his professional team at Waerstone by our Real Estate Agent. This was our first purchase together and we had no idea what to expect. Buying and selling a home can be very stressful, so we were so grateful to have good information, professionalism, options and excellent communication. We will absolutely work with Waterstone, and Mark specifically in future transactions!

Buying a home could be a very stressful time. When we started the process we weren't really sure what to expect, but Mr. Martinez team made our process easy and fast. although we never really met the team in person, they were there for us every step of the way. If we had a question they were always available which made our process more bearable. We had a less than 30 day Escrow, and I'm glad we chose Waterstone as our Mortgage Company. I don't think I will be in the market to buy and time soon but I sure would recommend Waterstone to other family and friends. THANK YOU Waterstone and Mr. Martinez.

Buying or re-financing a home can be very overwhelming. Having an honest, reliable and competent representative is as important as having the same characteristics in an attorney if you were to go to court. You would be foolish to due so without proper competent counsel. I have worked with Mark for over the past 10 years. I have purchased and refinanced several homes. Mark has been there for me (even while he was away on vacation) and able to answer my questions and ensure any issues were handled. Loans can be complex. They can be sold during the course of your mortgage. When issues arise with the loan company, Mark immediately pulls my file up, contacts the lender, asks straight forward questions and brings resolve with answers right away. Not only is Mark a true professional in the lending institution, he has become a personal friend. He is always calm, composed and personable. Never making me feel "stupid" when I ask those stupid questions about my loans. Am I going to get a toaster or commission if you go with Mark? No. But I will and do highly recommend Mark during any new purchases and/or refinance needs. In a world where customer service is lacking, Mark provides the utmost in customer service! Thank you Mark! Sam

Mark and his team communicated perfectly and consistently. The online portal worked well and there were no hassles. I would not hesitate to work with him again!. Very professional.

Mark is a great loan officer. Mark and his team are pleasure to work with. He hellped my clients all the way thru loan process. He is wonderful in keeping updated all the parties involved in transaction. I will not hesitate to refer him to any of my clients or friends. Thank you Mark for helping my clients and me closing the transaction..Wish you great success ahead.

Mark at Waterstone Mortgage was a pleasure to work with. I highly recommend him and his team for anyone who is looking to secure a loan. The team was thorough in all steps through the process and the wonderful thing about Mark is that he takes the time to explain each step in layman's terms so that I can understand each step of the process clearly and completely. He and his team were always responsive and accessible to problem shoot, answer any questions or just give words of encouragement along the way. Admittedly, due to circumstances outside of our control, our loan process became a great challenge but Mark, Renae and the whole team continued to work in order to make sure our loan went through. Even when we were ready to give up, they never did. I also loved being able to do so much online with Floify and their own mortgage portal. We are so happy and look forward to working with them again (without all the problems that had happened!) and highly recommend them to all our family and friends. Thank you Mark, Renae and the whole team for an amazing ending to our home buying journey!

Thank you so much Mark for your professionalism, highly ethical work, and your kindness.

Mark called me about his clients that were looking for a home in the greater Santa Barbara area. Since he is out of town, we met for lunch and had a great time getting to know each other. I found Mark to be extremely professional and friendly. Once we started with the process, Mark and his team were great to work with. They were in constant communication with both myself, our escrow officer and our clients. Our clients were extremely happy with the periodic updates, as was I, and it helped ease our clients "fears" through what can be, at times, a tough period. I would highly recommend Mark and his team to anyone that is need of a mortgage.

This is our second experience working with Mark. The excellent advise and the mortgage that he arranged for us last time is why we came back to him rather than using a number of other agents who wanted to service us. Our experience this time was just as good as before. As soon as he gathered the preliminary information he told us what our numbers would be and that proved to be exactly what we had at the final signing. The website provides access that facilitates an easy signature process. Questions were answered promptly and professionally. The entire team is outstanding.

Mark and his team have been fantastic assets in my home buying process. I recently moved to CA for a job and had a short time to purchase a house before my wife joined me here. Mark did an excellent job explaining every step in the process and answering any and all of my questions. I particularly liked the online resources which allowed me to keep track of the progress and securely upload documents. I definitely recommend using him and his team for your mortgage. Thanks for all the assistance Mark and Renae!

Me and my wife have known Mark for many years. We always have known Mark to be an upfront and honest Christian brother. Mark and his team manage the mortgage process from start to finish a very pleasant experience. We are more than eager to recommend Mark and Waterstone Mortgage to anyone looking for a highly reputable mortgage group.

As first time home buyers, working with Mark has been a fantastic experience. he has gone above and beyond guiding us through the process, following up, and answering any questions we may have. His extensive knowledge and experience, has taken some of the stress of the home buying process off our shoulders. We are extremely grateful to be working with him in this process, and look forward to becoming home owners with his help!

Mark and his team made the loan process so easy! They were in touch with me every step of the way and there were NO issues whatsoever.

This was the easiest refinance we have done yet... We had constant communication as to where we stood at each point of the process and all of our questions were answered. Mark really took the time to know what my situation was and helped me figure out the best option that would help our house hold out financially in the long term. The portal they use for organizing made signing documents very easy and the whole team was so nice and helpful. I will be recommending Waterstone to anyone I know that is looking for mortgage needs.

I highly recommend referring your clients to Mark Martinez at Waterston Mortgage. I had asked Mark to call the listing agent the day before me & my client met with the seller and his agent. He so thoroughly reviewed my client's qualifications with the listing agent that she called me and said, "As long as we agree on a price, this is a done deal!" She went on to gush over Mark and his professionalism. She told me later that she felt so confident about recommending that her client come to an agreement with this buyer after speaking with Mark. She knew that her client was dealing with some tough financial issues and didn't have the time to go back on the market should something go wrong. I was able to negotiate a better price for my client and all parties were ecstatic! We ended up having some trouble with uncooperative tenants. The listing agent worked so very hard to keep the deal together knowing that she had the best buyer & lender possible and that the alternative was not in her client's favor to lose this deal. I don't know that I could name one thing that makes Mark and his team a better choice...sometimes it's in the little details. Your clients will understand this and thank you for the referral many times. Give Mark the opportunity...you'll make a lot more money because you did. - Alisa, Realtor

Mark and his team made the loan process so easy to understand and were very helpful the whole way. If you're a first time home buyer (like us) with little or no knowledge of how mortgages work, we highly recommend Mark because he will guide you patiently from start to finish~ Thanks again for helping us get our dream home!!

Wow, where do I begin. I have so many wonderful things to say about the Waterstone Mortgage group. Let me start from the beginning. My wife and I decided to entertain the idea of buying our first home, so we reached out to my agent and fabulous sister-in-law Sandy Mittry. She was very excited for us and couldn't wait to get started. She told us to get in contact with Mark Martinez from Waterstone Mortgage. Mark took the time to come to our (rented) home and begin what I thought would be a grueling process. Mark understood that I didn't speak the home buyer language but took the time to explain as many times as necessary to make sure I understood the process. The road to home ownership began. I have never felt so well taken care of when making a HUGE decision like this. I have been given a gift from God who has provided me with knowledgeable people, people of integrity, who are open and sincere to a point that it seems run on autopilot. They care about the customer and of course their reputation, both of which in my estimation will never be in jeopardy when conducting business the way they do. They are true professionals. Mark has been my guiding light throughout this process. I thank the Lord above who provided me with the people here on earth, to make this this most rewarding experience of my, and my wife's life. My sincere thanks to Mark and his team who I do not want to forget, Renae Alanis Marie Wilson, thank you all for your efforts and making this a very pleasant journey. My wife and I are very close to closing and move in to our new home, it moved so smoothly. I attribute this to the good Lord above and the people he put in my path. If home ownership is your next decision, end your search and choose Mark Martinez and his team from Waterstone Mortgage, you'll be so happy you did. And also if you’re looking for the best Real estate agent choose Sandy Mittry, there is no finer, harder working person I know who pays particular attention to every detail. Happy home hunting. :)

Mark and team are very impressive and provide excellent results! I highly recommend Mark and his team to anyone looking for a solid, honest and trustworthy lender. Nice work!!

Mark at Waterstone Mortgage did a wonderful job of explaining the lending process for our clients home in Orange County. Mark was responsive to our clients many questions and sensitive to the challenges our client needs. Once we completed our conference call, our client hired us and signed the listing agreement. Mark is very professional and we highly recommend Mark!

Mark insight into the complex world of funding for my new homec was crucial to insure fundiing for my new home. Was seamless and stresss free. His team of professionals was outstanding and always helpful as we navigated through everything required to close ahead of schedule so I could enjoy my new home before the 4th Holiday! Thank you team as I look forward to the next opportunity to work with everyone at Waterstone in the future .

I have dealt with multiple loan consultants in the past. But I have never had a loan consultant like Mark and Renae. They are the best of the best. They both explained the process step by step and made me feel like they truly appreciated my business. They took care of my family from beginning to end. It is my pleasure to refer their services, I am confident that once you have worked with them you will feel the same.....Thanks again Mark and Renae for all you have done for me and my family it has not gone unnoticed. Respectfully Submitted Manny Watson

Mark and Renae at Waterstone Mortgage did a wonderful job of helping my wife and me successfully navigate the lending process for our new home in Orange County on a tight schedule. Mark was responsive to our many questions and sensitive to the challenges we presented as relocation buyers with my wife and I temporarily living two time zones apart. Mark and Renae also were very helpful in smoothing over some of the annoyances caused by other stakeholders associated with our transaction. To the extent that effective customer service is an important factor in choosing a mortgage lender, I highly recommend Mark and his team!

I was introduced to Mark through my real estate agent Jim Holmes. Right out the gate I knew that Mark had our best interests in mind. He picked up the phone every time i called, answered every question i had in detailed and educated me through the entire process as this was my first time buying a home. I felt very confident that i had been coached and advised in every important decision i had to make. he even showed up to walk me through the signing of the closing docs with the notary. I would refer Mark to any friend or family member i know! You are in good hands with Mark!

I had the pleasure of meeting Mark to discuss ways to qualify for a mortgage and what it all entailed. His detailed review and clear explanation of the process made the entire process easy to understand. I look forward to using Mark for my mortgage needs and highly recommend him to anyone in the same situation. .

I was introduced to Mark through my real-estate agent Teri Pastor. I would just like to say that from our first phone conversation I felt very comfortable with Mark and felt that he had my best interest at heart. He is very caring and even prayed with me a couple of times with meant a lot to me and my wife. I did not end up using Mark because we decided not to sell our house and purchase another at this time although if we decide to do so in the future we would most definitlty be calling Mark . Thank You Mark and God Bless

Mark and his team did a fantastic job on my recent Re-Fi. The process was very thorough and very painless. If I had to do it again I would go to Mark in a heartbeat!

I have known Mark Martinez as a business associate for quite someone and went to him first when my investment property required a refinance. In the past Mark has been generous with his time with a non-profit association where I volunteer. Based upon that generosity I knew that I would receive superior service. Even though my circumstances were difficult, he found a solution. His associates were extremely helpful. If I had a question, my phone call or email was answered within on business day. I knew I had a team working hard on my loan. I am ecstatic to have my property refinanced and am not sure it would have been completed otherwise. I will recommend Mark to all of my friends.