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Ed Bernardino
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio: · Over $110 Million in Closed Real Estate Sales · Over $85 Million in Closed Loan Production · Over 30 years’ experience in Southern California Real Estate · Over 250 listings sold As a highly experienced professional Ed started in the Real Estate and Mortgage industries in California in 1992. Being aware of what was going on in the market, he began flipping properties beginning in 1995. Since that time he’s been involved with the purchase, rehab, and re-sale of approximately 135 of these types of properties. In 2000, he struck out and opened his own Brokerage firm, California Realty Network/California Mortgage Network. He represents both buyers and sellers of homes, as well as arranging mortgages for his purchase and refinance clientele. In 2001 Ed branched out and began a development company building spec homes in the greater Palm Springs area. Over a 6 year period this division of his company had constructed and sold 46 new homes. In 2004 Ed took over RE/MAX Maui which at the time was a 3 person office. Within 3 years this company had grown into 2 offices with 28 sales Agents. Being passionate about all aspects of Real Estate and a life-long learner, Ed is always looking to grow expanding his knowledge and experience. As an additional service to his investor clients he offers leasing and management for their long term rental properties.
Phone: (714) 448-1255
NMLS#: 1013223
License: CA
Spoken Language: English
Mortgage Rates
Why are our rates so low?
- 1. We shop dozens of the top lenders in real time to find you the best rate.
- 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
- 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.
Our Accomplishments
29977+
Customers
$12.1+
Billion in Closed Loans
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.