Your home loan made easy!

Your hometown mortgage experts!

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage Calculator

How much can you afford? What does that monthly payment look like? Find out here.

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

Steve Berger

Loan Officer  //  NMLS #109887  //  CalBRE #01339230

Steve Berger is devoted to his beautiful wife Joyce, and dedicated to his three amazing kids; Aleah, Elliot, and Ryland. He loves people and prides himself on being a true mortgage industry professional. Steve and his team strive to provide the very best experience possible when his clients are getting a new mortgage. Included in that is ongoing communication with all the parties involved and making sure to ALWAYS close their mortgage on time. He continues to “stay connected” with his clients long after the closing by providing mortgage related advice and strategies whenever the need arises. Steve’s hobbies include snowboarding, traveling, and karaoke (he’s a legend in his own mind) every chance he can.

Steve@GoCoastalCapital.com(949) 660-8000 x 101
GoogleFacebookZillow
Steve Berger Coastal Capital Funding

Why work with us?

We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.

Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered.
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.
6

Closing

Signing the final documentation and receiving the keys to your new home!

Interactive video education center

Home Loans 101:
30 Year Fixed Rate:
15 Year Fixed Rate:
Adjustable Rate Mortgage:
Refinancing Myths:
Refinancing Calculator:
4 Keys To Your Home:
Payment Breakdown:
Rent vs Own Calculator:
Pre-Qualification vs Pre-Approval:
Inspection Question:
Homebuyers Mistake:
The Waiting Game:
Credit Catastrophe:
Unusable Down Payment:
Unexpected Consequences:
Neighborhood Recent Sales:
Purchasing Calculator:
Avoiding PMI:
Rate Factors: