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Committed to your needs

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

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Mortgage News Daily

MBS CLOSE: What Can Today Tell Us About Tomorrow? - 4 hours ago
Posted To: MBS CommentaryThis is always the question right? I mean, after all, we already know what is available on our rate sheets at the moment, but the most valuable question always asks for tomorrow's MBS prices today. Forgetting for a moment that you'll usually LOSE more money thinking that way than you'll make, let's suspend GUTFLOP and see if we have any hints at tomorrow's action according to today's events. First, the fundamental arguments... What do we know? 10yr auction built up a decent concession going in and stopped pretty much on the screws (meaning that rates went up ahead of the auction, then we saw strong demand at those rates) Strong demand AT THOSE RATES is evidenced by the relatively high "offers accepted at high" metric from the auction, meaning that most of the...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Mortgage Rates Rise Ahead of Treasury Auction. Fail to Recover Afterward - 5 hours ago
Posted To: Mortgage Rate WatchMuch like Monday, yesterday was a data-less day in the marketplace, leaving me at a loss for words and new guidance. Mortgage-backed securities prices did managed to move higher following a very strong 3 year Treasury debt auction, unfortunately MBS price appreciations were not strong enough to warrant reprices for the better and lenders left mortgage rates unchanged on the day. The economic calendar picked up today, but not much. This morning the Mortgage Bankers Association released their Weekly Loan Applications Index. The MBA survey covers over 50 percent of all US residential mortgage loan applications taken by mortgage bankers, commercial banks, and thrifts. The data gives economists a look into consumer demand for mortgage loans. A rising trend of mortgage applications indicates an increase...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

MBS AFTERNOON: Mortgages Playing Follow the Leader with Benchmarks - 6 hours ago
Posted To: MBS CommentaryHeading into the 5pm "what a slow day in the mortgage market" marking period... The FN 4.0 is -0-03 at 98-01 yielding 4.189% and the FN 4.5 is flat on the day at 101 the rock yielding 4.39%. The secondary market current coupon is 4.33%. The CC yield is 61bps over the 10yr TSY note yield and 58.6 basis points over the 10 yr swap rate. Static current coupon yield spread valuations are TIGHTER AGAIN! Holy relentless yield spread tightening! LOOK HOW SIDEWAYS FN 4.5 PRICES WERE TODAY! The MBS NINJA shares his thoughts on the recent stability of "rate sheet influential" MBS coupons in the face of rising benchmark yields: Mortgages, trading in the secondary market (soon to filter back to the primary and rate sensitive one), are tightening daily as more money is put to work along...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

FICO: Americans More Likely to Default on Mortgages than Credit Cards - 7 hours ago
Posted To: MND NewsWireAmerican consumers are now defaulting on their mortgages in even greater numbers than they are walking away from credit card debt. According to FICO's® Score Trends Service, this is a phenomenon that is historically unique. FICO said the mortgage default risk for consumers with high FICO scores now exceeds their credit card default risk, even though most credit cards are unsecured credit and mortgages are secured by real estate. There is a parallel rise in mortgage delinquencies for these high scoring consumers. The company said that their analysis of trends in FICO scoring shows that recent repayment behavior has shifted significantly from what has historically been expected. In 2005 bankcard accounts were more than 3 times more likely to become seriously delinquent, that is 90+ days...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

MBS LUNCH: 10 Year Treasury Auction Results and Reactions - 8 hours ago
Posted To: MBS Commentary10 year auction has impressive demand, but at higher rates. 3.45 Bid To Cover, but 3.735 % high yield with 70.94% of the bids at high yield MBS and Treasuries both slightly better on the announcement 4.5's are now down only 2 ticks on the day at 100-29 and 10yr yields are back down to 3.72+ from 3.74+ Here is a breakdown of the auction results: 9-YR 11-MO NOTES YIELDS High 3.735 pct Median 3.700 pct Low 3.636 pct PRICE/ACCEPTANCES Price 99.090493 Accepted at high 70.94 pct Bid-to-cover ratio 3.45 AMOUNTS TENDERED AND ACCEPTED (dollars) Total accepted 21,000,013,800 Total public bids tendered 72,466,493,000 Competitive bids accepted 20,829,510,800 Noncompetitive bids accepted 70,503,000 Fed add-ons 248,452,700 Primary Dealer Tendered 49,661,000,000 Primary Dealer Accepted 9,857,410,000 Primary...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.