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 me3155 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.
Why Flagstar
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
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.
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.
My Products of Specialization
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
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 me3155 W Big Beaver Road Suite 114
Troy, MI 48084
Request a Contact
Fill out the information below and I'll reach out to you shortly.
Contact Preference
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
Sr Loan Advisor
NMLS ID: 256213