Home

Found the perfect home? We can help you find the perfect mortgage.

Are you tired of hiring someone to handle your mortgage or real estate transaction only to find that as soon as you sign on the dotted line they are nowhere to be found? Then you have come to the right place to make a change for the better!

We at Berg National Realty and Finance are 100% committed to our clients satisfaction. You will get the service and attention that you deserve while getting competitive rates for all of our services. Our company was founded based on a few key principles that include honesty, integrity, loyalty and professionalism. By implementing these principles in every transaction, we excel above the rest. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to purchase a home, sell a home, refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a worry-free and pleasurable transaction.

Make sure to take a look at our past client testimonial page, located on the left side under the Company Info tab!

Homeowners Help

There is an overwhelming number of troubled homeowners in need of help, if you are one of them then this is for you. Are you trying to get your lender to modify your loan and lower your mortgage payment, but can't get anywhere? Are you at the end of your rope and don't know where to turn? Have you looked into having someone modify your loan for you but it would cost THOUSANDS of dollars? And IF you had thousands of dollars to spend, you probably wouldn't be in the situation you are in right? YOU HAVE FOUND THE COMPANY THAT IS HERE TO HELP YOU! THE HOMEOWNER. We can help you with a loan modification, we can help you get into a NEW FHA loan (even if you have negative equity) and we can help you with a short sale. Whatever decision you have made, either to keep your home or walk away WE are here every step of the way to make sure your needs are met.

Call today to talk to someone about YOUR options! You can also visit our homeowners help page to instantly pre-qualify for a refinance - EVEN IF YOU HAVE NEGATIVE EQUITY! That's right!, the government has FINALLY made a program that will actually help you, the home owner. You can refinance your current mortgage(s), your lender will pay your closing costs, your lender will forgive the negative equity and FHA will give YOU a new loan for the current market value. This is a REAL program that has only been on the table since the end of December 2008. Don't wait! Call or pre-qualify online today!
Get fast answers

At our website you can find tools available to answer virtually any real estate or mortgage question. Trying to find that perfect new home? Look for our MLS search option. Need to sell your home? Contact us for a free in-home value presentation. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Real Estate Resources

Visit our Resource page for links to all the companies that we trust our business with, whether its an appraisal, a home inspection, an escrow company, a property management company or more... Every contact you need is right at your fingertips on this page.

Loan Program	Rate	APR
30 year	6.250	6.345
15 year	5.875	6.032
5 year	5.625	5.359

First Name:*
Last Name:*
E-Mail:*
Phone:*
Loan Amount:
Loan Purpose:
Loan Program:
Property Use:
Property Type:
Property Value:
Enter Code Shown:*

* Required

Mortgage News Daily

How Did The Employment Report Affect Mortgage Rates? - 1 day ago
Posted To: Mortgage Rate WatchIt is the first Friday of the month and that brings us the official government report on the labor market: The Employment Situation Report. This release provides four headline measures on the health of the jobs sector. Nonfarm Payrolls: totals the number of jobs that were added to or cut from employer payrolls in the prior month. Consensus Forecast: -100,000 vs. -131,000 in July (Private payrolls increased 71,000 in July and +41,000 expected today) Unemployment Rate: the percentage of working-age, mentally able-Americans who are jobless. Consensus Forecast: 9.6% of the labor force vs. 9.5% last month Average Hourly Earnings: the average amount of earnings per hour of labor performed. Consensus Forecast: +0.1% vs. +0.2% last month. Average Work Week: average amount of hours worked by an employee...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

All Signs Point to Higher Rates in Week Ahead - 1 day ago
Posted To: MBS CommentaryNFP has come and gone, let's see where things stand.... The October delivery FNCL 4.0 is -0-09 at 102-15. In the chart below I called attention to a few technical inflection points. The ascending trend channel that helped mortgage rates hit new lows on Wednesday has broken down and FNCL 4.0s have made their way back into the range that moderated price action for the majority of August. The falling knife found support and bounced higher directly in the middle of that range. 10s flagged lower for the entire month of August (all summer really) and are now flagging higher. The 2.625% coupon bearing 10 year TSY note is off its session price lows (98-24) at 99-07 yielding 2.715% (+8.8bps). 10s are the worst spot on the curve followed by 7s (+8.6bps) and the long bond (+7.6bps). Volume was heavy into...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

FHFA Establishes New Housing Goals for GSEs - 1 day ago
Posted To: MND NewsWireThe Federal Housing Finance Agency (FHFA), conservator of Freddie Mac and Fannie Mae (the Enterprises) has established its final housing goals for the Enterprises in 2010-2011. FHFA is required by the Housing and Economic Recovery Act of 2008 (HERA) to set such goals for targeted segments of the mortgage market The new rules establish three goals for single-family, owner-occupied home purchases; one for low-income families, another for very low-income families, and a third for families living in geographical areas with lower-income populations, areas with high concentrations of minority residents, or federal declared disaster areas. The goal for disaster areas contains a sub-goal to ensure that the needs of lower-income and minority areas are addressed. A goal has also been established for...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Banks Prefer Cash Buyers in REO Sales; Freddie Mac Streamline Refi Program; Originator Capacity Constraints; Comments on Property Flipping - 1 day ago
Posted To: Pipeline PressIf there's one thing that an investor will never let any originator off the buyback hook for, it's fraud . Not only that, but the penalties can go far beyond merely buying back the loan, and saying' "My bad." Just in the last few days, Laura-Jean Arvelo and Ronald O'Malley, a New Jersey mortgage broker and former head of the Bergen County Improvement Authority, was indicted by a federal grand jury on charges of preparing fraudulent mortgage applications. Both are charged with wire fraud, bank fraud and loan application fraud in order to take bogus documents and falsified applications to trick lenders into making mortgage loans and benefited from fees they received. Ryan Miller of Missouri was sentenced to more than 12 years in federal prison and pay $6 million in restitution for mortgage fraud...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Employment Situation Report: -54K Total Job Losses. Private Sector Adds 67k Positions. Bonds Sell - 1 day ago
Posted To: MBS CommentaryTHE EMPLOYMENT SITUATION – AUGUST 2010 – BETTER THAN EXPECTED From the Release... Nonfarm payroll employment changed little (-54,000) in August, and the unemployment rate was about unchanged at 9.6 percent, the U.S. Bureau of Labor Statistics reported today. Government employment fell, as 114,000 temporary workers hired for the decennial census completed their work. Private-sector payroll employment continued to trend up modestly (+67,000). The number of unemployed persons (14.9 million) and the unemployment rate (9.6 percent) were little changed in August. From May through August, the jobless rate remained in the range of 9.5 to 9.7 percent. The number of long-term unemployed (those jobless for 27 weeks and over) declined by 323,000 over the month to 6.2 million . In August, 42...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.