The mortgage process can seem daunting. You need a team of experts you can trust to always have your best interests in mind. Look no further! Jesse Chappell & Travis Lamm are the team you need! They helped me with a Cash-out refinance in Texas, which is a tough loan to get done! Their quick responses and thoughtful communications made the entire process stress-free! Thank you, iheartloan team! read more

Working with Jesse Chappell and Jesse Somberg was an amazing experience from start to finish. They completed a Refinance for my husband and I and we CLOSED FAST! Less than 3 weeks! They were incredibly knowledgeable, responsive, and helped us secure a great mortgage rate during the home loan process. They explained every step clearly, kept us updated throughout the entire process, and made the entire refinance process smooth and stress-free. They even responded to texts and emails late at night and on weekends versus waiting until normal business hours to respond to our questions.   If you're looking for a mortgage broker or loan officer in Orange County or California, I highly recommend iheartloan. Jesse Chapell and Jesse Somberg truly watch the market closely and they helped us lock in our low interest rate at the perfect time. Their communication, professionalism, and attention to detail were outstanding. We couldn't be happier with our experience and will absolutely be using iheartloan again for future purchase loans or refinancing. read more

There's not enough time to say how much I appreciate Jesse Somberg and his team at iheartloan. Jesse has a feel for the market and works with many banks to get the best loan for you. He takes the time to explain the multitude of complexities involved in obtaining a mortgage. Any questions you might have about the process, Jesse will get them for you. His team is also capable and professional, especially Janeen, his in-house processor. Like with Chris, Jesse is personable, so I feel like I didn't just meet an exceptional loan broker, but made a friend. read more

When I looked up the best rates at the time I was worried I was going to get what I paid for. This could not have been farther from the truth. By being fast and professional Jesse saved me a ton of money, as rates were just about to climb and I had a small window to lock the best rate. His skill and knowledge lead to me getting locked in fast. However that is not the end of my review. I have worked many years coaching and training successful sales, customer service, and insurance agents. One of the most important things to me is that I knew I could trust Jesse and he really was looking out for my well being. He operates with the ideal that his customers are also his friends and treats them like family. You can't fake that. read more

We recently completed our third refinance in just over two years with Jesse and Watermark. On all 3 occasions, Jesse gave us the lowest rate coupled with the highest closing costs covered as part of the loan. Jesse is friendly, takes the time to chat with you, and doesn't give you the feeling he's doing this for the commission. He has worked overtime on all 3 loans to make sure we closed on time, and kept us informed of the progress as things were completed. Maybe it was because this was our third refinance with him, but this time the paperwork load was much lighter than the previous two times. Not that we expect the rates to lower significantly low enough to justify refinancing again, but if that does happen, there's only one person we would trust to do it again. Do yourself a favor, and give Jesse and Watermark a chance. You won't regret it! read more

I would recommend Jesse 10 out of ten. Our house purchase was not an easy one. Multiple loans in multiple states. Jesse was very knowledgable at every step of the way. He and Sandra, the loan processor, kept us informed and responded to every request. We closed escrow on time as expected. read more

II have just completed a refinance with Jesse and Watermark. I cannot say enough great things about how Jesse and his Watermark team made the deal happen. He was able to get me a great rate even in the face of daily rising interest rates. Even when things did not go smoothly on the County's side, his team stayed on top of it and was requesting multiple daily updates and kept me up to speed. Jesse is super personable, detailed, and overall just a great guy to work with. For anyone looking for a loan, you cannot go wrong with Jesse's service. read more

We contacted Jesse in March 2020 on the recommendation of a friend. He was extremely helpful in securing us a refinance loan at a great rate. Jesse was responsive, knowledgeable, and easy to work with. After completing our refinance at a great rate locked in for 30 years, I didn't think we'd talk to Jesse again. But as rates continued to drop over the next 6 months I decided to reach out to him to discuss the possibility of another refinance. Sure enough, Jesse worked his magic, locking us in at an ever lower rate and saving us a bunch of money. Thank you Jesse! For anyone out there looking for a home loan or refinance, you won't regret calling him. read more

Jesse Somberg is by far one of the best I have worked with. When i first presented my situation to Jesse he was on Vacation in Costa Rica , and he still managed to chat and schedule a meeting. (Talk about going above and beyond). Once the process started it was a smooth , painless , and stress free transaction. Jesse is a professional and I highly recommend him for all of your real estate needs. read more

I have one word after working with Jesse : Amazing. Through every step Jesse was responsive, supportive, and helpful to get us to close on time and with an amazing experience. Even at certain points when we had unusual requests from the underwriter, Jesse was with us every step making things happen. If you are looking for a lender who is a partner, Jesse is the lender / contact you want to work with. read more

Jesse and his team are fantastic! We highly recommend them. They were thorough, accurate, with no surprises. Jesse followed up personally at each step of the way. The process was very smooth and so much easier than I thought it would be! read more

We highly recommend Watermark Home Loans, Jesse Somberg and his team (Dana Chupp, Darlene Laun, the at-home visit notary service they used with Joni Burger, etc.). Bankrate directed us to Watermark when we were looking to refinance. Their rates were by far the best compared to all others! We locked in a great interest rate, and are actually still in shock that it is so low. The process went so smooth with a company we had 0% prior knowledge of! We have never tried working virtually with any lending company. Watermark's offices are located almost 500 miles away from us, yet it felt like they were with us every step of the way! Watermark's online portal is very user friendly and simple to use. Right from initial contact, Jesse Somberg is polite, responsive, knowledgeable and follows through on details. Jesse works very hard for you and he is very respectful regarding all of our inquiries. Altogether an extremely positive experience and result. Thank you guys!!! Highly recommend you give Jesse Somberg a call! read more

This is the second time Jesse has helped me refinance my home. Each time it has been a smooth ride. That includes all the great people from Watermark, Fidelity National Title, the appraiser, and the notary. Whenever I had a concern, he was there to explain and reassure me of the situation. There are many reasons I keep returning to him, like his professionalism, kindness, desire, and willingness to help my family and me. We are truly indebted to him. Till we refinance again, thank Jesse! read more

We started our refi with a different company. They said they couldn't payoff everything that we wanted to. Jesse worked with us and made it work. Thanks read more

Jesse Somberg at Watermark Capital is one of the best mortgage bankers we know and have used his services at least three times over the past 15 to 20 years. He listens to you and finds the best loan for you and monitors and expedites the processing through loan approval, escrow, and closing answering any questions you may have. And besides that he is a delightful person with whom to do business. read more

Jesse was a fantastic loan agent! We refinanced our house and ran into a couple of snags, but Jesse was there to help us through and get us the best possible deal for the mortgage. Would definitely recommend to others! read more

The service Jesse provided throughout our entire home loan process was beyond expectations. He really takes the time to ensure a personable experience with his clients by learning about them on a personal level and assisting them when they need additional education on the process. My fiancée and I were first time home buyers and we weren't up to date on some of the lending terms. Jesse took the time to make sure we fully understood the entire process. He ensured our closing process occurred on time without issue. If you're in the market for a new home, Jesse should be your go to lending officer for your loan. He won't disappoint you! read more

I called Jesse when I wanted to refinance, since I had worked with him successfully about 6 years ago. Jesse seems to have really good instincts about when to lock in a rate and when to wait! He was very reassuring, explaining to me why at that time it would be good to wait a bit and watch the rates. He ended up getting me a great rate that was lower than I expected! He's very good at explaining various situations, and helpful during the whole process. The online system for submitting the application was well organized and easy to follow. The only frustrating part was how long the whole process took to complete, but I understand that mortgage companies are inundated with applications right now, and everyone's loans are taking a long time - nothing to do with the broker! Thanks for everything Jesse! read more

loan for new home purchase... Jesse has helped me go through process if funding a loan for 2 home purchases of mine which one just closed in January. I was very happy with process eve era step of way. Jesse was very knowledgeable, reliable, accurate with every step of way from beginning to close of my loan. I would highly recommend him to others read more

Jesse guided me through a highly volatile rate environment to deliver an outcome that was seamless and cost me much less than expected (great rate, no cash to close). I would highly recommend his services. read more

Jesse was terrific! We fell in love with a home we saw over the weekend and needed to rush to get a preapproval letter to be able to make an offer. Jesse provided his cell phone # and took care of everything in the evening while he was trying to have dinner. We got a good rate and were ready to go but then we were approached by a BofA mortgage person who was able to offer a slightly lower rate so we were considering switching to BofA to save a little money. But we had been spoiled by Jesse's excellent customer service and it was clear that big BofA just couldn't respond as quickly as we needed. They were slower, too big and bureaucratic to provide the level of service we had become accustomed to with Jesse. We chose to stay with Jesse and WaterMark and we weren't disappointed. Thanks Jesse! read more