Steve Bertone, Senior Loan Officer
Want to Save $1,000's on Your Mortgage?
Whether your looking to buy or refinance we can help you save BIG on interest rates AND closing costs!
Steve Bertone
Senior Loan Officer | NMLS 613292
Your Home Loan Could Be Fully
Funded 30 Days From Now
Fixed Rates
Adjustable Rates Mortgage(ARM)
Conforming Loans
Jumbo & Super Jumbo Loans
FHA, VA, & USDA Loans
Terms from 5 to 30Years
Why Work With Steve Bertone
Personalized service and expertise to guide you through every step of your refinance journey
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Experience
Over a decade of mortgage expertise, handling thousands of successful refinances for clients just like you.
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Efficiency
Streamlined process that saves you time and money with faster closings and reduced paperwork.
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Personalized Service
Direct access to your dedicated loan officer throughout the entire process, not a call center.
6 Ways We Help You Lock in Lower Rates
Let our experienced team of Mortgage Advisors guide you through the buying or refinancing process
quickly, efficiently, and confidently.
Secure Your Home Purchase Loans
Rates are competitive, so it’s a great time to buy! We’ll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.
Refinance for Better Rates
Take advantage of today’s great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?
Compare Rates & Pick the Best
You wouldn’t accept the first offer at the car lot, so don’t just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.
Get Your Loan Funded Faster
Other lenders giving you the runaround? Our fast funding options mean you’ll never miss out on the house you really want.
Evaluate Your Property
Know where you stand. With your up-to-date property evaluation in hand, you’ll be better equipped to choose the loan terms that fit your goals.
Get a Cash-Out Refinance
Turn your home’s equity into cash with a cash-out refinance, providing funds for renovations, debt consolidation, or other goals. Leverage your home loan to achieve more with the value you’ve built.
Contact me for any questions or concerns!
Frequently Asked Questions
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What documents do I need to apply for a mortgage loan?
When applying for a mortgage, you'll need to provide the following documents:
• Proof of identity (Driver’s License, Passport)
• Proof of income (pay stubs, W-2 forms, or tax returns)
• Proof of assets (bank statements, retirement accounts)
• Employment verification (recent pay stubs or employer letter)
• Credit history (our lender will obtain this)
• Proof of any additional income (bonuses, rental income, etc.)
• Your Social Security number (for credit check)
If you’re unsure or missing a document, don't worry—I'll guide you through the process and let you know exactly what’s required!
How do I know how much mortgage I can afford?
The amount you can afford depends on a few key factors:
• Income: The amount of money you earn each month or year.
• Debt-to-Income Ratio (DTI): This ratio compares your monthly debt payments to your monthly income. Ideally, it should be below 43%, but this can vary.
• Down payment: A higher down payment can help lower your monthly payments.
• Credit score: A higher credit score may help you qualify for a better interest rate, making your mortgage more affordable.
I can help you calculate how much you can afford based on your financial situation, and guide you to the right loan product for your needs!
What is the difference between a fixed-rate and adjustable-rate mortgage (ARM)?
Fixed-rate mortgage (FRM): This type of loan has a constant interest rate for the entire term of the loan, which means your monthly payment will stay the same, making it easier to budget long-term.
Adjustable-rate mortgage (ARM): With an ARM, the interest rate is typically lower in the beginning but can change periodically, usually based on an index. Your monthly payments may go up or down depending on market conditions. This type of mortgage can be a good option if you plan to sell or refinance within a few years.
I’ll help you evaluate both options to see which one makes the most sense for your financial goals.
How much does it cost to refinance?
Refinance costs typically range from 2-5% of your loan amount, including origination fees, appraisal, title insurance, and other closing costs. However, I offer various options including no-closing-cost refinances where fees can be rolled into the loan or offset by a slightly higher rate.
How long does the refinance process take?
Most refinances close within 30-45 days from application. The timeline can vary based on current market demand, your loan type, and how quickly you provide required documentation. I pride myself on efficient processing and will keep you updated throughout the entire process.
© 2025 | Secure Choice Lending | NMLS 613292 |
Equal Housing Opportunity
is committed to the letter and spirit of the Fair Housing Act, which prohibits discrimination in housing based on race, color, religion, sex, familial status, national origin, or disability.