Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I would be happy to help you before you ever make an offer on a property.
We can sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package.
I will help you consider all your options so you can concentrate on making the best decision for your needs.
The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, with a trained and caring professional like myself in your corner.
Contact me today at 925 595 5863 and let’s get started making your home-ownership dream come.
About Me
Senior Home Loan Officer / Builder - Purchase Specialist
Flagstar Bank
NMLS: 256213
AI
Outstanding!! Bernard is very knowledgable. Was a good experience! Communication was spot on, always
available to answer any questions. Very happy with Bernard
available to answer any questions. Very happy with Bernard
BW
Bernard was the best! From our first conversation I could tell that he was a customer focused officer who
takes care of his people. He made what could be a very stressful process as agree free as could be, and I trusted his input
and advice along the way. Will be recommending him to anyone looking for a loan officer and using him again in the
future.
takes care of his people. He made what could be a very stressful process as agree free as could be, and I trusted his input
and advice along the way. Will be recommending him to anyone looking for a loan officer and using him again in the
future.
NO
Bernard was excellent to work with during the whole process. He was knowledgeable, honest and
professional. He was very tactful in his work. I would have not closed on the home so fast as busy as I am if it wasn't for his
help and being proactive.
professional. He was very tactful in his work. I would have not closed on the home so fast as busy as I am if it wasn't for his
help and being proactive.
BW
Outstanding!! Bernard is very knowledgeable. Was a good experience! Communication was spot on, always
available to answer any questions. Very happy with Bernard and Flagstaff
available to answer any questions. Very happy with Bernard and Flagstaff
LL
Bernard Nubla is a very efficient, effective, creative and diligent mortgage banker. He gets the loan approved and closed on a timely manner. He is super friendly and a great person to work with!
JU
Bernard is the most professional, trustworthy and straight forward guy I have ever met in my life. He is very good in doing his job and will not fail you. He is honest and passionate in helping you get through the loan process. If something is wrong, he finds a way to make it right! He made me feel like I’m his own family as we went through with our loan process. I have already told my friends and coworkers about Bernard. I won’t even think twice in looking for a different loan officer. Bernard, God bless you and your family. You made it happen for my family and I. Thank you Sir!
RR
We had a great experience working with Bernard in purchasing our home. He was on top of everything from when we started the loan process to the very end. He was easy to communicate with, answered all of our questions in a timely manner and had great knowledge of the entire process. I would highly recommend Bernard for your loan needs!
AV
I had the pleasure of working with Bernard Nubla at Flagstar Bank for our mortgage loan, I can't recommend him highly enough. Bernard was incredibly approachable and guided us through every step of the process. His extensive knowledge and understanding of my busy hospital schedule made a significant difference; he was always available, even after office hours, to answer our questions. Thanks to his support, we felt confident and well-informed throughout. If you’re looking for a dedicated loan advisor, Bernard is the one to call!
JA
I had the pleasure of working with Bernard on my last loan and a previous re-fi. He works efficiently, demonstrating extensive knowledge of the loan process and other requirements for closing escrow. He was always quick to respond and provided honest feedback and recommendations. He offered me a very competitive rate, but most importantly, he advocated for my best interests. When my realtor was being pushy about closing, Bernard helped me stand my ground. I'm grateful to have had someone on my side who wasn't just focused on commissions.
DB
Bernard is the problem solver you need when facing tight timelines and helping you expedite your financing. I had not in my wildest dreams thought a loan officer would actually relate to you as a human being and take the time to understand your individual needs. Needless to say as a first-time buyer, he guided me through all the steps even while busy with so many other buyers.
GO
Bernard went out of his way in gathering and compiling all of my needed paperwork to close this deal.
PA
Bernard was incredibly helpful through the entire process of getting the loan for my recent home purchase. He was patient, answered my questions and made us happy we went with Flagstar.
TL
This was my first experience with a mortgage loan and I am glad I chose Flagstar Bank as my loan provider. Bernard my loan officer was very helpful throughout this whole process and kept me up to date with the loan process. He was always available to answer questions that I had and took the time out in the day to explain some financial concepts that I have never encounter before.
Overall, I had great experience work with Bernard. I would recommend Bernard to all of my friends and family looking for a home loan.
Overall, I had great experience work with Bernard. I would recommend Bernard to all of my friends and family looking for a home loan.
AM
Bernard made our loan process for home purchase a breeze. Knowledgeable, patient, and communicative, he explored options and went above and beyond to get our loan on time??. Always available, Bernard kept us informed and made us feel comfortable. True professional, highly recommended! Thank you so much Bernard !
VC
Working with Bernard was an absolute pleasure! His expertise in navigating the loan process made everything seamless. His clear communication, prompt responses, and attention to detail instilled confidence throughout. If you want stress-free lending experience, go with Bernard . He closed my loan just in 11 days
GS
There is a reason Bernard is the senior loan officer. He goes above and beyond expectations. He is up at 7am working on your loan and at 9 pm he is still give his 100% to make it happen for you. Making your dreams come true. When you may get stressed out and mad about all the small things the bank what’s to know about you. He becomes a comedian and makes you laugh and ease your stress. But he always keeps you laughing. We could not ask for anyone better to make your dreams come true. Thank you so much from me and my family. We will always be grateful that you have someone like Bernard on your team.
HV
I highly recommend Bernard Nubla as a loan officer. His exceptional accessibility through text and phone made the entire process seamless. Bernard's dedication to securing the best interest rates ensured that I obtained a favorable rate for my home loan. His clear communication and willingness to guide me through every aspect of the home closing process were invaluable. I am genuinely grateful to have had Bernard Nubla as my loan officer, and I wholeheartedly endorse him for anyone seeking a reliable and knowledgeable professional for their home financing needs.
We hav known Bernard for 5 years. During that time, we worked with him to purchase 2 different homes Marin and Upstate NY and on several refis.
Each time, he gave us his full attention and commitment to closing on our dream home. We always were treated as if we were his only clients, but we knew he had many others. He is remarkable, stalwart, warm, funny. Basically he is the best at what he does. Refinancing and/or buying a home can be one of the most challenging and stressful life undertakings. Every time, Bernard was compassionate, patiently willing to explain whatever did not make sense and determined to get us a successful close. Thank you Bernard. We have been fortunate to work with you. You have changed our lives more than once. With gratitude, Emily & Randall
Each time, he gave us his full attention and commitment to closing on our dream home. We always were treated as if we were his only clients, but we knew he had many others. He is remarkable, stalwart, warm, funny. Basically he is the best at what he does. Refinancing and/or buying a home can be one of the most challenging and stressful life undertakings. Every time, Bernard was compassionate, patiently willing to explain whatever did not make sense and determined to get us a successful close. Thank you Bernard. We have been fortunate to work with you. You have changed our lives more than once. With gratitude, Emily & Randall
NR
Bernard is simply the best at what he does! The loan process and buying a home in general can be stressful. But with Bernard on your side, you are already winning! He is patient, timely, informative, responsive, and strategic. He knows the loan process inside and out. He gets the job done and goes above and beyond to ensure that his clients are satisfied. Bernard is all about customer service. I will appreciate his skillset for many years to come, living in my house.
Nia Rashidchi
Nia Rashidchi
DD
What sets Bernard apart is his commitment to personalized service. He took the time to understand my complex buying situation and tailoring the mortgage solution to meet my specific needs. This level of dedication and individualized attention made me feel confident and supported throughout the entire process.
He kept me informed at every stage of the mortgage application, providing regular updates, and most importantly securing a competitive rate. This proactive approach not only expedited the process but also instilled a sense of trust and reliability. The overall experience with Bernard was not only professional but also personable. He knows how to get things done. I would highly recommend Bernard to any of my friends or family.
He kept me informed at every stage of the mortgage application, providing regular updates, and most importantly securing a competitive rate. This proactive approach not only expedited the process but also instilled a sense of trust and reliability. The overall experience with Bernard was not only professional but also personable. He knows how to get things done. I would highly recommend Bernard to any of my friends or family.
AA
We had a great experience with our loan process. With our busy schedule he made sure that he was there to support and guide us above and beyond . Bernard was very knowledgeable,our questions and concerns was answered in a timely manner. Everything was explained well to us . So grateful for all that he did for us until we close escrow.
GM
Bernard was very helpful and knowledgeable. He made sure to go out of his way to help with the loan process.
DK
Bernard is great. Very personable and easy to work with. Listens and responds quickly to any questions we had during the process. Took on tasks that we could do, but he wanted to make the process as easy as possible for us. Great guy, San Francisco native, which means a lot. He will be our go to in the future!!
KA
I highly recommend working with Bernard. He helped us become first-time home buyers. He was very patient and explained everything to us. He made sure everything was done correctly and in a timely manner. He was easy to work with and very knowledgeable. We can’t thank him enough for his help.
Thank you so much for your help in obtaining my loan. I’m truly grateful to have had your expertise and guidance throughout the process. You went above and beyond to make sure everything was done in a timely manner, and your patience was much appreciated.
