About Steve Bertone
As a Senior Loan Advisor and Area Manager serving Riverside, Carlsbad, Escondido, and surrounding areas, Steve Bertone is an excellent example of the caliber of Flagstar Bank mortgage professionals.
Steve’s 30 years of experience in residential mortgages and a BS degree in Finance from San Diego State University have served him well in management roles in top-tier lending institutions. He is excited about enhancing his old-fashioned relationship business style with the power of Flagstar Bank’s direct lending approach to residential mortgages. Building on his core business foundation of honesty and trust, Steve leverages the innovative lending products, tools, and technology of Flagstar Bank.
Steve Bertone’s decades of mortgage experience and focus on building lasting relationships are the perfect platform for servicing all client types and their unique mortgage and financial situations. First-time homebuyers find a welcoming environment of support in their first and often largest financial transaction so far in life. Steve and his team of loan advisors are local real estate and mortgage market experts with the expertise to work with every borrower, including jumbo borrowers and homebuyers with unique financial structures requiring innovative mortgage solutions.
Flagstar Bank’s depth of mortgage products, competitive rates, and financial consulting services are of immense value to every client, no matter the size of their mortgage or their financial situation. Steve Bertone recognizes the value and looks forward to using every tool to match clients with the perfect mortgage for their financial situation.
Steve is married and the father of two, and he looks forward to working with every borrower as if they are family as well.
Mortgage Specialization
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Low-to-Moderate Income Lending Program
- Pre-Qualifications
Professional Affiliations
- President’s Club 2021
Languages Spoken
- English
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.

Steve Bertone
Area Manager | Sr. Loan Advisor
NMLS ID: 613292
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact me300 E. State St, Suite 360B
Redlands, CA 91786
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Steve Bertone
Area Manager | Sr. Loan Advisor
NMLS ID: 613292