Headshot of Judy Bernal

Judy Bernal

Reverse Mortgage Specialist

Folsom, CA Mortgage Lender

NMLS #321238

Adress
81 Blue Ravine Rd., Suite 230
Folsom, CA 95630
Contact Methods
Email
mobile Mobile
(916) 889-3161
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Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Judy

When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances.

Communication is key, and sharing information is as important as listening. I will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. I’ll be with you every step of the way, from application to closing and beyond.

Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A young couple preparing their ADU for their parents

Specialists in ADUs

There’s a lot of talk about ADUs. You might want a place for an elderly relative to live close to you. You could be looking for extra income from a rental. Maybe you need a quiet office to work from home.

The accessory dwelling unit, or ADU, goes by many names: in-law unit, secondary dwelling unit, granny flat, or carriage house. An ADU can be attached to the house or a stand-alone unit, and has its own kitchen, living area, and a separate entrance. Whatever your plans, you’ll probably need financing. That's where we come in.

Recent Posts and Articles

Blog

  • Published on

    Am I Ready to Buy a House?

    Here are some factors to consider, as well as some resources that can help you make a decision regarding the right time to buy.

  • A family laughing
    Published on

    How to Buy a House With Bad Credit

    Everybody makes mistakes, but a low credit score shouldn’t cost you your dreams of homeownership. Here’s how to buy a house with bad credit, along with some tips to improve your credit score for the future.

  • Published on

    When is the Best Time to Buy a House?

    The housing market is affected by many factors, but did you know that the time of year can influence the final sale price of a home? Here’s how the housing market changes during the course of the year.

  • Published on

    How Long Does it Take to Get a Mortgage Pre-Approval?

    How long does it take to get a mortgage pre-approval? To answer that, you’ll need to learn a bit more about the pre-approval process and what to expect when buying a home.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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