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Steve Bertone, (NMLS ID 613292)

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 me

7111 Indiana Avenue, Suite 200

Riverside, CA 92504

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 is 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 home buyers 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

Languages Spoken

  • English

Client Testimonials

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

Todd B.
“Working with Steve Bertone was a absolute pleasure! As well as Brandi Edwards hard work , thanks you Flagstar team.”
Kevin L.
“Very professional & efficient.”
Sue S.
“The process of obtaining a refinance of my home could not have been easier. Paul Schwab was excellent, professional and always positive”
Quint B.
“Everyone that I worked with was so great”
Eric O.
“Steve Bertone and his Flagstar colleagues made the process of refinancing our home as smooth as it could possibly be.”
Bonnie Z.
“The process was very smooth and I felt very supported by the entire team.”
Jeffrey H.
“Throughout the whole refinancing process we were treated like family and with incredible professionalism. Our family has a more than 20 year history with the Area Manger and continue to receive current and important information for our mortgage needs”
Timothy M
“Steve was awesome. Kept me informed step by step. Gave me great confidence through the entire loan process. He's a star.”
Jesse S
“Steve works quickly on your behalf no matter if it's a weekend or even if he is on vacation! This guy is good!”
Jonathan W.
“Amazing service. 100% satisfied and would definitely recommend to friends and family.”

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.

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
Steve Bertone, (NMLS ID 613292)

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 me

7111 Indiana Avenue, Suite 200

Riverside, CA 92504

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Steve Bertone, (NMLS ID 613292)

Steve Bertone

Area Manager | Sr. Loan Advisor

NMLS ID: 613292