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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.

Licensed in Washington, Oregon, Texas, Nevada, Arizona, California, Tennessee, Idaho, Florida, & Colorado

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 fits your unique financial picture.
Steve Berger Coastal Capital Funding

Steve Berger

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

Steve Berger is the broker-owner of Coastal Capital Funding with offices located in Newport Beach, California, and Henderson, Nevada and is licensed to conduct mortgage lending in 9 states. He is devoted to his beautiful wife Joyce of 8 years, and dedicated to his three amazing kids; Aleah, Elliot, and Ryland; along with the newest addition to his family – “Romeo” his bernadoodle puppy. He loves people and has been a true mortgage industry professional for coming up on 20 years and says he’s never retiring. Steve and his team strive to provide a great mortgage lending experience when his clients are getting a new mortgage which is evidenced by over 300 five-star reviews on all of his social media platforms. He works with top-tier banks and prides himself on great communication with all parties involved throughout the entire loan process. He continues to “stay connected” with his clients long after the closing by providing mortgage-related advice and strategy sessions whenever the need arises. Steve’s passions include snowboarding, traveling, going to concerts, and karaoke, as he says he’s a legend in his own mind. 660-8000 x 101
Steve Berger Coastal Capital Funding

Why work with us?

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



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


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

Initial Underwriting

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

Conditional Approval

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

Clear To Close

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


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: