Call me for details of my refinance program that may allow you to refinance at today's record low rates EVEN if you owe more than your home is worth!
Available 7 days a week from 8am until 10pm to answer your questions!
Welcome to RickBernstein.com!
My name is Rick Bernstein and I have been a Mortgage Banker for 15 years. I have seen lending guidelines tighten and then loosen but never before have we experienced the financial turmoil that we are now. Lending guidelines are tightening almost daily and it is so important that you work with a mortgage professional that is committed to knowing the guidelines as they change to provide the best options to refinance or purchase your new home! I am committed to making your home finance experience not only hassle-free, but one that is educational as well. I encourage you to use me as a resource when you have any home finance questions.
Mortgage rates have fallen to record low levels and they just might go lower! Many feel that they are stuck as they now have little or no equity. I have programs that may allow you to take advantage of these incredibly low rates EVEN if you owe more than your home is worth! Call me for details!
Many of my clients have refinanced with absolutely no cost to them. Call me to find out how you may be able to!
The following are the mortgage programs we excel in providing:
* Conventional Fixed Rates (30, 20, 15, and 10)
* Conventional Adjustable Rate Mortgages (3, 5, 7,10 Year)
* FHA and VA Loans
* JUMBO Loans (Fixed and ARMS)
* USDA Rural loans
* Fannie Mae and Freddie Mac refinance up to 125% of home value
Use one of our simple loan application options to
Find the perfect loan to fit your needs.
Purchasing a Home?
Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.
Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.
Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.
Use one of our simple loan application options to 
