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Bernard Nubla, (NMLS ID 256213)

Bernard Nubla

Sr Loan Advisor

NMLS ID: 256213

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

3155 W Big Beaver Road Suite 114

Troy, MI 48084

About Bernard Nubla

Whether you’re a first-time homebuyer, 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 to give you 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 professional like myself in your corner.

Contact me today at 925-595-5863, and let’s get started making your homeownership dream come true.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • FHA Government Loans
  • Fixed-Rate Mortgages
  • Jumbo Loans
  • Professional Loans
  • Second Homes
  • VA Government Loans

Professional Affiliations

  • Scottsman Guide Top Originator 2021
  • Top 1% Originator 2020-2021

Client Testimonials

Hear what my previous clients have to say about my work.

Edda E.
California
“Words can not describe how truly thankful I am for Bernard. He went above and beyond, treated us like we were his number one priority at all times, worked with us day in and day out to find our perfect loan. I will recommend this man time and time again.”
Jaylen and Sofia R.
Clayton, Calif.
“We are so thrilled to have been introduced to Bernard and his team. From being completely unfamiliar and cautious to the homebuying process to now finally owning our first home, we are incredibly grateful.”
Anthony E.
Hayward, Calif.
“Looking for someone to close in a time-sensitive scenario? Bernard is who you are looking for. Great at providing finance options and solutions to get you closed. Dependent and follows up during the process. I’m a repeat client; he got me closed twice.”
Anonomous
Fairfield
“Buying a house is not an easy task at all, too many things to comply with. It makes a whole big difference if you have somebody like Bernard helping you in every step of the way. I would recommend him...”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

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STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator

My Products of Specialization

Let's work together to find the right financing solutions for you, built around your unique needs.

Find a mortgage solution for your unique situation, including jumbo loans, higher-cost areas, or multiple properties.

Special home lending products backed by federal and state governments offer significant savings to those who qualify.

Insured by the Federal Housing Administration, this mortgage offers more flexible qualifying criteria and low down payments.

The longest fixed term available makes this a popular choice. The interest rate set at closing remains constant.

Learn More About Mortgages

There's much more to purchasing or refinancing a home than an interest rate. View our blog and get home ownership tips and more.
Bernard Nubla, (NMLS ID 256213)

Bernard Nubla

Sr Loan Advisor

NMLS ID: 256213

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

3155 W Big Beaver Road Suite 114

Troy, MI 48084

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Today's Rate

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1Rate as of 9/29/2023 3:36 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $1,737. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 9/29/2023 3:36 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1.065% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,157. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  9/29/2023 3:36 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,583. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

Bernard Nubla, (NMLS ID 256213)

Bernard Nubla

Sr Loan Advisor

NMLS ID: 256213