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Bernard Nubla

Senior Home Loan Officer / Builder - Purchase Specialist Flagstar Bank NMLS: 256213
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.
Mar 7, 2024
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 !
Mar 6, 2024
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
Jan 24, 2024
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.
Jan 12, 2024
Lead Enterprise Technical Support Engineer
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.
Dec 18, 2023
Clinical DIrector
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
Dec 6, 2023
Assistant Superintendent, Ed Services
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
Dec 2, 2023
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.
Nov 7, 2023
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.
Oct 25, 2023
Bernard was very helpful and knowledgeable. He made sure to go out of his way to help with the loan process.
Oct 12, 2023
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!!
Sep 27, 2023
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.
Sep 22, 2023
Real estate agent
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.
Sep 20, 2023
I greatly recommend Bernard for your mortgage loan needs! He was incredibly patient with and attentiive to my questions and concerns. He was also very accessible and easy to communicate with. He was professional, and he worked very hard to produce the best deal for us. I am completely satisfied with the outcome. Thank you, Bernard!
Aug 30, 2023
I'd like to express my heartfelt gratitude and satisfaction for Bernard. As a first time home buyer without much experience, Bernard is truly helpful in getting my loans secured and answering all the questions I had. Home buying is a stressful process but Bernard made sure that every step was taken care of. I appreciated his fast response to my emails and calls, and finding the best options for me. I wholeheartedly recommend Bernard to anyone in need of a knowledgeable and dedicated loan officer!
Aug 14, 2023
He did a great job and was always looking forward to his assistance.
Aug 14, 2023
He did a great job and was always looking forward to his assistance.
Aug 8, 2023
Bernard was amazing to work with. Bernard willingly and patiently answered all my questions and explained the process and each step throughly. Not only was he responsive and informative, he also secured a great rate for me! I would happily to do any future business with him again!
Aug 3, 2023
Bernard is the best! Available to answer any questions that you have and goes above and beyond. If you need any help with loans Bernard is the go to. Bernard will make sure you are informed of the every step of the process and get you the home.
Jul 26, 2023
Bernard did an exceptional job for us. He really walked the extra mile in ensuring our needs and expectations were met. He is always available and accomodating and he knows his stuff very, very well. I would gladly do business with him again. Goodluck to all your endeavors!
Jul 26, 2023
Bernard said he could find us a great rate and close the deal all within 30 days. Well turned out it was less than 30 days and we just took possession of our new home. Bernard did a great job of dealing with the challenges of home buying in this somewhat crazy market. He is responsive and understands how to get things done. Would recommend him highly.
Jul 19, 2023
Doing business with good people you can trust is essential. Bernard is that guy! Absolutely took care of business and looked out for my best interest as a first time home buyer. Quality of service and get it done mindset were amazing qualities of Bernard and his team I am so thankful for.
Jul 18, 2023
Client
Bernard did a fantastic job guiding us through the loan process for our new home. He went out of his way to make sure we were updated on the status of the loan from beginning to end. He was very clear and upfront about every detail. He gave us options for us to consider as we went through the process which helped is immensely. I would definitely use Bernard again in the future!!
Jul 9, 2023
Buyer
I’ll never look for other banker anymore, I didn’t have enough money to buy a property but he was able to squeeze the closing costs for me to buy one and fast and on the exact date that he’ll tell you. I’ll tell you. I have been working with bankers for the past 14 years, I thought i have a best banker working with me in Miami but Bernard is way way better that I actually recommended to all my coworkers and friends
Jun 30, 2023
As a self-employed business owner, I was uncertain about purchasing my first home and how my mortgage loan would work. Bernard came highly recommended by many, and we are so glad to have been connected to him! He worked with our family to make sure we could purchase our first home. Thank you Bernard for making this happen! Would recommend Bernard to anyone.
Jun 23, 2023
Partner, Grant Thornton LLP
Bernard did an exceptional job managing our home purchase loan. He was very responsive and stayed engaged through the underwriting process, ensuring we hit a very aggressive close timeline. I would defiantly use him again!