The reason Joshua has stayed at Watermark for so long is quite honestly because there is no better option that currently exists in the mortgage industry.

Joshua has developed some Amazing Proprietary Artificial Intelligence Technology & Software Automation which is exclusively used by his team to get you Better Loan Terms. As well as massively speed up & clarify the very cumbersome & often confusing mortgage process.

Joshua Crater is a top-tier NMLS licensed and national S.A.F.E. certified mortgage professional with over a decade of residential lending experience which he utilizes to the great benefit of his clients.

Joshua is an avid volunteer, philanthropist, surfer, snowboarder, golfer, e-bike rider, poker player and has numerous mortgage related accolades including being trained in financial planning as a Certified Mortgage Planner. He resides in Orange County, CA with his wife, Jessica, and his daughter, Faith and their dog Teddy.

Joshua has an exemplary track record of building lasting relationships and receiving extraordinary 5 STAR customer service ratings from Clients and Real Estate Partners.

Joshua’s specialties include but are not limited to VA Military home loans, Jumbo home loans, FHA Home loans and All Types of traditional Refinance /Purchase loans for Primary Homes, 2nd Homes and Investment Properties on 1-4 Unit Properties.

Joshua is committed to placing clients in loan programs that best meet their individual needs and finding the best and most competitive loan programs for each clients unique situation.

He is passionate about helping customers realize the dream of home ownership as well as understand how to build wealth through mortgages, home equity and real estate investments, with a focus on building home equity and personal cash flow.

Jessica Crater

Years of experience: 19
Position: Team Manager



Call or Text Us  949-991-3777

About the Crater Team @

Watermark Home Loans


About Watermark Home Loans

Watermark Home Loans is one of the premier Direct Mortgage Lenders in the U.S. and we are focused on continuously improving our people, processes, and customer experiences.

About Joshua Crater

Joshua Crater is a Certified Mortgage Planner and known as the "A.I. Loan Guy", he has been leading one of the top mortgage teams in the country at Watermark Home Loans since 2007. With 19 years experience in Mortgage, 23 years experience in Real Estate and 3rd generation Lending & Real Estate Expert.

nancy koble

Years of experience: 22
Position: Loan Processor


Dana Chupp

Years of experience: 12
Position: Loan Processor

Joshua Crater

Years of experience: 19
Position: Mortgage Banker




FOUNDING PRINCIPLES

  • God - We believe our highest aim in being a great company is to glorify God.
  • Family - We believe in families and that they are the backbone of society.
  • Home - We believe homes are for people, not just profit.
  • Integrity - We believe in doing the right things, even when they are hard.
  • Reliability - We believe in getting the job done and getting it done on time.
  • Simplicity - We believe in making the loan process simple for our clients.


If you go onto any of the top mortgage rate websites you will see Watermark ranks as one of the top lenders in the country, consistently offering the best rates & loan terms available across many different loan types.

Watermark Home Loans has been putting "People Before Profits" for almost 2 decades.

We are here to help and to serve our customers and our community. This goes far beyond just saving money, home loans and real estate. We will help any way that we can.


  • Many different Loan Options – including Fannie Mae, Freddie Mac, FHA, VA, Jumbo, Reverse, Asset Based Lending/Hard Money, and Commercial Real Estate.
  • True Direct Lender offering the Lowest Rates in the Country and True $0 Closing Cost Loan options.
  • Our Interest Rates beat the Major Banks, Credit Unions, and other Top Online Lenders.
  • A+ Rated on the BBB Better Business Bureau since 2004.
  • Over 2,000 Five Star Reviews online.
  • First-Time Homebuyer Experts! Ask about the first-time buyer discounts we offer.
  • We are dedicated to serving Veterans and their families! We are VA Loan Experts and as a VA Direct Lender with Full LAPP Approval we offer VA Home Loans with No Limit on Loan Amounts and up to $2 Million loan amount with $0 Down and at Great Low Rates! Ask about the Veterans discounts we offer.
  • In-House Underwriting with Loan Approvals in as little as 24 hours.
  • Fast & Easy Process, Close in as little as 21 days.