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Hi! I'm Lynda...
Your Mortgage Consultant!

We make the home loan process as simple as possible by guiding you through every step.

Lynda Bernal

Mortgage Consultant

NMLSR: 224231

State license: AZ-0925443
CA-DBO224231

805-701-0199
Address: 881 Alma Real Drive Suite 100, Pacific Palisades, CA, 90272

Since 2001 Lynda Bernal has helped hundreds of people with their home loans. In every transaction her goal is to provide each client with the attention, service, and respect they deserve while delivering the loan they want, when they want it.



Lynda knows that home buyers and homeowners are busy taking care of the many other details of their lives so she strives to make the mortgage process as easy and stress-free as possible. She does this by carefully listening to the client’s needs, researching loan guidelines, and then discussing all available loan options so that every client can make the best possible loan choice for his or her unique situation. As Lynda frequently says, “mortgages are NOT one-size-fits-all” and so she places the utmost importance on making sure that her clients get a home loan that works for them not only today but for the future as well.



Licensed in California and Arizona, Lynda assists all types of home buyers – from a first-time buyer purchasing a condo or starter home to someone purchasing a vacation getaway to an investor purchasing an income property. And over the years she has successfully navigated many quirky, complicated, difficult buyer situations and gotten loans for her clients that other lenders could not.

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Refinance a Home
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Ranked #1 in Customer Satisfaction among Mortgage Origination Companies

Home financing tailored to meet your needs

We have a full suite of mortgage programs to meet your needs and give you a competitive edge:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo loans

Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

MB

Michael Bryman

5.0

Camarillo, CA

Mar 26, 2025

Lynda explained each step clearly and why it was necessary she was also very cordial and friendly

AB

Alex Boswell-Ebersole

5.0

Ventura, CA

Mar 14, 2025

Lynda is amazing to work with.

MD

Michelle Daneri

5.0

Ventura, CA

Mar 14, 2025

Lynda was communicative and responsive and an overall wonderful resource while financing our home.

AP

Anna Padilla-Kuntz

5.0

Ojai, CA

Feb 13, 2025

Not only did Lynda and team close on time, she helped us successfully close early!!! She was in constant communication throughout the entire transaction and kept me updated. Loved working with her!!

MF

Michelle Frustere

4.8

Oxnard, CA

Nov 26, 2024

We had a great experience with Lynda and her team at Prosperity Mortgage. We would highly recommend this Mortgage Compan.

BR

Bianca Rodriguez

5.0

Oxnard, CA

Oct 31, 2024

Lynda went above and beyond. Always very responsive and supported us through the entire process. Even during stressful moments, she made us feel at ease.

CZ

Christian Zaragoza

5.0

Oxnard, CA

Oct 30, 2024

Lynda was the absoulte best when it came to getting my loan approved. Super responsive, hellpful and definetyl made me and my wife feel less stressed throughout this process!

DM

Diane Marihew

5.0

Santa Paula, CA

Oct 25, 2024

Lynda is a true professional and an absolute pleasure to have on our team. Her expertise, attention to detail and dedication truly set her apart. Lynda keeps me informed and her quick responses to any questions are a tremendous asset. I seriously cannot say enough positive things about her. I highly recommend Lynda to anyone looking looking for an exceptional lender!

CA

Carolyn Archer-Warritay

5.0

Thousand Oaks, CA

Oct 16, 2024

Lynda went the extra mile for us and we really appreciate it. Thank you.

OW

Olayinka Warritay

5.0

Thousand Oaks, CA

Oct 16, 2024

She provided timely amazing service.

RR

Robert Rios

5.0

Port Hueneme, CA

Sep 16, 2024

Professional, efficient, supportive, and very responsive!

JH

Jamie Hadler

5.0

Port Hueneme, CA

Sep 12, 2024

Lynda was so patient with my elderly client. She gave him great peace of mind and wonderful service.

CD

Catherine Duncan

5.0

Goodyear, AZ

Aug 29, 2024

Lynda was amazingly knowledgeable, responsive and helpful! Thank you, Lynda, for making the process go smoothly!

DC

Deborah Cornell

5.0

Ojai, CA

Aug 22, 2024

Lynda was so supportive and helpful throughout the entire loan process. She was quick to answer any questions I had, and was great at explaining in detail anything that was confusing to us. She was absolutely the best part of our entire home buying experience!

VS

Victoria Stephen

5.0

Camarillo, CA

Aug 14, 2024

Lynda was prompt, communicative and helpful. Great experience!

AA

Annika Altfeld

5.0

Ventura, CA

Jun 28, 2024

Thank you so much! I could not have done this without Lynda’s kindness and care and incredible dedication to helping me.

CS

Carol Smart

5.0

Ventura, CA

May 28, 2024

Lynda was very helpful and knowledgeable and able to answer any questions we had. She is very pleasant and kind to do business with. She was very prompt also. Great job Lynda thank you so much!

NP

Nicholas Perez

4.8

Camarillo, CA

May 21, 2024

Extremely efficient, made a 21 day escrow a real breeze.

KR

Katie Reich

5.0

Oxnard, CA

May 6, 2024

You're a great lender and person! Win Win!

BN

Brendan Nafarrate

5.0

Ventura, CA

Apr 9, 2024

Lynda was thorough and highly communicative. She guided us through the whole home buying process with great patience and explanations.

President and CEO - Justin Messer

Justin Messer

President and CEO

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

4.97 of 5.00

Our average client rating. YTD 12/2021 on experience.com

What is your home worth?

Check current market values for your home and view buyer demand.

I'm here to answer all
your mortgage questions

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

Take a look
inside our world

Looking at how we do business at Prosperity Home Mortgage is as simple as a conversation. Are you ready to step inside?

Lynda Bernal

Lynda Bernal

Mortgage Consultant

NMLSR: 224231

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