This is my first refinancing experience. Ryan has been extremely responsive to any of my requests to help me get my house refinanced. He was able to answer all my questions in timely manner and easy to reach out. The entire process took only 23 days. I highly recommend him to any potential customers.
Closed refinance loan. Outer Parkside, San Francisco, CA
This is our 3rd time doing a 30 year fixed refinance for a Jumbo loan on a primary residence, and by far the best experience we have ever had with a refinance. Ryan is wonderful to work with for so many reasons, including being responsive, organized, straightforward and consistent from beginning to end in terms of closing costs. And Watermark was able to give us the best rate which equals significant monthly savings for us! We will definitely be referring friends and family to Watermark and specifically to Ryan.
Ryan Sheets with Watermark Home Loans was very professional in communication throughout our refi process. The transaction was very smooth and we were very pleased with the execution by the whole Watermark team. Would definitely use this company again and would refer friends and family.
It was a pleasure working with Ryan to complete the refinance of my home. I was unable to obtain the refinanced loan from my normal bank due to the fact that I am self employed. Ryan was able to close the loan quickly and was very helpful through the entire process. I highly recommend Ryan.
Watermark Home Loans made my loan easy from start to finish. I was a first time home buyer and as you can imagine terrified of what seemed like a daunting process but my Banker Ryan Sheets walked me through every step of the way. I was amazed at the program and rate he was able to offer me and the whole team was thorough and knowledgeable. And I was funded in less than 30 days! I would highly recommend Watermark Loans and Ryan to anyone.
Ryan is the best. Before Watermark, I was very frustrated dealing with the big banks - there was too much run around and their rate was higher. When I got a hold of Ryan, he was sharp, a no non-sense kind of guy and explained to me in "Kindergarten" level how my refi would move forward. We established an aggressive goal of closing in record level and we did! We were able to close from start to finish in about 16 days. The best part is - my rate was lower than what the big banks offered! I highly recommend Ryan. Don't think twice, in fact, don't think at all. Let Ryan do all the thinking and he will take care of you.
I refinanced two loans (primary residence and an investment property) with Ryan Sheets at Watermark. I do have great FICO scores and steady income.
I am a very meticulous person and is familiar with the loan process. I already had shopped around for rates. So, I was impressed when Ryan was able to provide me with a better offer. Not only that, he emailed me an Excel spreadsheet with all the data! Jackpot! This allowed me to verify his numbers.
Trust me when I say that it is CRUCIAL that you get an excellent loan processor/officer as your main contact person! This will make your loan process easier.
Ryan responds back to emails and phone calls fairly quickly. My loan process occurred during the Federal govt shutdown and my loans were able to fund in less than 30 days. Impressive!
Closed refinance loan. Canyon Country, Santa Clarita, CA
Ryan helped me through the refinance process with my home loan. Very knowledgeable and returned calls promptly. Our emails were excellent, with all the material I needed. Very good experience with refinancing my home. Thank you Ryan Sheets
Closed refinance loan. Washington Park, Denver, CO
Ryan Sheets of Watermark Home Loans was VERY responsive. He understood my needs and went "above and beyond" in taking care that my specifications were met. He was great with communications always called back within the hour. The loan went through VERY fast. When I went out of town over Thanksgiving, he arranged for a notary in a distant city to do the closing so that we could keep on schedule. I highly recommend Ryan Sheets and Watermark Home Loans.