Monterey Bay Mortgage, a Division of Watermark Capital LLC - NMLS 1838 2601 41st Avenue, Soquel, CA 95073

"We've worked with Monterey Bay Mortgage for a number of years and couldn't recommend them more. Forrest is extremely knowledgeable, professional and very trustworthy and Crissy somehow makes the whole process smooth and streamlined - no small feat in this business:) Rest assured you're in good hands with them."

"We love working with Forrest and Crissy. They were quick, friendly and a constant resource of support. We’ve trusted them with major transactions and we will continue to trust them! We’re grateful to the team!"

"My wife and I just bought our first home, and we highly recommend working with both Forrest and Crissy! Our realtor referred us to Forrest, and he was very helpful from the beginning. He answered our many questions about the home buying process and helped us figure out what our target price range would be. We quickly went from pre-qualification to pre-approval once we wanted to make our first offer, and he talked us through the options for our loan, ensuring we understood the pros and cons of each and ultimately chose the rate that would best suit our needs. He also provided a cost comparison with other homes we'd been looking at in the area. Once we were in contract, Crissy jumped in to help keep everything moving and was super communicative throughout the entire escrow process. There was even a technical hiccup at one point, and Crissy went the extra mile to help us troubleshoot after hours! We feel good knowing we can go to them for any questions about our loan moving forward. Great team!"

"It was a pleasure to work with Forrest and his team at Monterey Mortgage. They were professional and personable. Always available to answer all our questions, providing guidance and support. They made us feel like we were their client, above and beyond service."

"Homebuying can be a very overwhelming and stressful process, but Forrest made my home-buying journey so effortless. He was there every step of the way to answer any question or concern I had throughout this entire experience and I know that I couldn't have done this without all of his support. Thank you Forrest for making my homebuying experience a success. Shanequa McCrimmon"