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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

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Mortgage News Daily

USDA Rural Development System Upgrade Complete. Now Processing Conditional Commitments - 1 hour ago
Posted To: MND NewsWireIn March we learned that USDA Rural Housing funds were expected to run dry by the end of April . A month later, even though the legislation intended to provide the funding had not passed, USDA began issuing commitments for new loans, but there was a caveat: Loan approvals would be "subject to the availability of funds and Congressional authority to charge a 3.5 percent guarantee fee for purchase loans and a 2.25 percent guarantee fee for refinance loans." Finally, on July 29 Congress passed HR 4899 to reestablish the program as one that would no longer be subject to the annual whims of Federal funding but self-sustaining through a 3.5 percent guarantee fee paid by the borrower. Four weeks passed after the Congress did their job and appropriated unlimited funding for the USDA Rural Housing Program...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Beige Book: Housing Market Experiencing "Sustained Lull" - 2 hours ago
Posted To: MND NewsWireThe Federal Reserve has released the Beige Book The Beige Book is a compilation of anecdotal information and data on current economic conditions across the country. The findings are NOT THE VIEWS OF FEDERAL RESERVE OFFICIALS ...instead, each Federal Reserve bank interviews key business contacts, economists, market experts, and other sources in their specific district. This report is published eight times a year. They call it the Beige Book because its Beige . This edition was prepared at the Federal Reserve Bank of San Francisco and is based on information collected on or before August 30, 2010. Below is a summary of the findings and a few excerpts on bank lending and housing. I called attention to some of the more important observations. Real Estate and Construction Activity in residential...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Indirect Bidders Steal the Show at 10 Year Auction. Yields Lower as Shorts Cover - 5 hours ago
Posted To: MBS CommentaryTreasury just auctioned $21 billion 10 year notes . Auction demand was healthy thanks to one group of bidders specifically. The bond market has responded favorably in post auction trading. The high yield was 2.67%, which was 1.5 basis points below the 1pm "When Issued" yield, indicating bidding was aggressive, mostly because the market was able build in a big pre-auction concession. The bid to cover ratio was 3.21 bids submitted for every 1 accepted by Treasury. This is the strongest btc ratio since the June auction. Primary dealers took down 38.3% of the competitive bid and 18.1% of what they bid on, both metrics are below average. This implies someone else was standing at the ready to support supply offerings. That someone else was indirect bidders! Indirects took home a whopping 54.7% of...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Purchase Apps Up 6.3%. Refinance Demand Declines 3.1% - 6 hours ago
Posted To: MND NewsWireThe Mortgage Bankers Association (MBA) today released its Weekly Mortgage Applications Survey for the week ending September 3, 2010. The MBA's loan application survey covers over 50% of all U.S. residential mortgage loan applications taken by retail mortgage bankers, commercial banks, and thrifts. The data gives economists a snapshot view of consumer demand for mortgage loans. In a low mortgage rate environment, a trend of increasing refinance applications implies consumers are seeking out a lower monthly payment. If consumers are able to reduce their monthly mortgage payment and increase disposable income through refinancing, it can be a positive for the economy as a whole (creates more consumer spending or allows debtors to pay down personal liabilities like credit cards). A falling trend...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

New GSE Housing Goals: Is FHFA Putting the Cart Before the Horse? - 7 hours ago
Posted To: Voice of HousingThe 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. As noted by MND last week : “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...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.