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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...

JC

Joel C.

5.0

Camarillo, CA

Jul 1, 2024

Purchasing a home can be a stressful and overwhelming experience, but with Lynda by my side, it was an absolute breeze. Her extensive experience in the industry was evident from the very beginning. She patiently explained every step of the mortgage process, answered all my questions with clarity, and instilled incredible confidence throughout the journey. Lynda truly shined in her collaboration with my realtor. They worked seamlessly together, ensuring smooth communication and a unified approach. This close-knit collaboration saved me time and eliminated any potential roadblocks that might have arisen. I was particularly impressed by Lynda's dedication to simplifying the process. She broke down complex financial concepts into easily understandable terms, making me feel empowered throughout the decision-making process. Her proactive approach ensured that all documentation was submitted promptly, keeping the entire process on track and closing completed efficiently. Overall, my experience with Lynda Bernal was nothing short of exceptional. Her expertise, professionalism, and genuine care made securing my dream home a truly positive experience. I wholeheartedly recommend Prosperity Home Mortgage to anyone seeking a stress-free and successful home buying journey.

K

Kevin Smith .

5.0

Jun 25, 2024

Lynda from Prosperity Home Mortgage was my loan officer for a recent home loan. Her level of expertise in all-things lending is unsurpassed, certainly in my experience (and I've had some). She is very communicative, providing detailed responses to all of my long emails. And always with a smile and wonderful, can-do, will-do attitude. Lynda has a fun personality, always positive even when challenges arise. And her advise and encouragement (even when underwriting becomes a pain haha) was appreciated. I give Lynda my highest recommendation to anyone in need of lending services. Also as to Prosperity in general - their website, customer portal for uploading documents, task oriented dashboard, etc. ... was all good. It worked and was a good way to keep the process flowing. So all-in-all it was an excellent experience in my view, and one I'd be happy to repeat if the need arises.

LF

Leanne F.

5.0

Santa Paula, CA

Sep 7, 2023

Lynda's consistent guidance and amazing communication. I was so happy to be able to have clear communication with expectations and support. Best experience I've ever had.

TJ

Timothy J.

5.0

Ventura, CA

May 28, 2025

The ease of the whole process

RR

Richard R.

5.0

Ventura, CA

May 23, 2025

lynda was available to sit on the phone and explain anything and everything to me! Important when dealing with informations thats new! thabk you again!

CJ

Claudia J.

5.0

Ventura, CA

May 22, 2025

Very helpful thank you

GS

Gary S.

5.0

Ventura, CA

May 21, 2025

Start to finish. From the approval letter to closing the loan.

H

HotAirJazz HotAirJazz .

5.0

May 24, 2025

Nothing but positive comments.

TT

Todd T.

5.0

Carpinteria, CA

May 20, 2025

Lynda kept me informed and worked painstakingly for my best interests in a difficult situation and closing.

KD

Katelyn D.

5.0

Ventura, CA

May 16, 2025

The process ran so smoothly and I had a lovely experience with Lynda and her staff

AK

Agota K.

5.0

Kelseyville, CA

May 13, 2025

If you're looking for a lender who brings clarity, calm, and total command to the home-buying journey—look no further. Lynda is an absolute force. She made our loan process for the Clearlake property seamless, efficient, and dare I say—enjoyable.From start to finish, she handled every detail with expertise and heart, guiding us through with patience and power. No stress. No confusion. Just smooth sailing thanks to her rock-solid support and clear communication.Lynda isn’t just a lender—she’s a total badass in the world of financing, and we’re beyond grateful she was in our corner.

A

Agota Krapavickaite .

5.0

May 3, 2025

If you're looking for a lender who brings clarity, calm, and total command to the home-buying journey—look no further. Lynda is an absolute force. She made our loan process for the Clearlake property seamless, efficient, and dare I say—enjoyable. From start to finish, she handled every detail with expertise and heart, guiding us through with patience and power. No stress. No confusion. Just smooth sailing thanks to her rock-solid support and clear communication. Lynda isn’t just a lender—she’s a total badass in the world of financing, and we’re beyond grateful she was in our corner.

AK

Agota K.

5.0

Kelseyville, CA

May 3, 2025

If you're looking for a lender who brings clarity, calm, and total command to the home-buying journey—look no further. Lynda is an absolute force. She made our loan process for the Clearlake property seamless, efficient, and dare I say—enjoyable. From start to finish, she handled every detail with expertise and heart, guiding us through with patience and power. No stress. No confusion. Just smooth sailing thanks to her rock-solid support and clear communication. Lynda isn’t just a lender—she’s a total badass in the world of financing, and we’re beyond grateful she was in our corner.

E

Emanuele Taviani .

5.0

Apr 15, 2025

Highly Recommend! I had a great experience with Lynda Bernal. She was professional, responsive, and made the process smooth and stress-free. I’m very satisfied and would definitely recommend her to anyone looking for a trustworthy lender.

ET

Emanuele T.

5.0

Kelseyville, CA

Apr 11, 2025

Highly Recommend! I had a great experience with Lynda Bernal. She was professional, responsive, and made the process smooth and stress-free. I’m very satisfied and would definitely recommend her to anyone looking for a trustworthy lender.

MB

Michael B.

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 B.

5.0

Ventura, CA

Mar 14, 2025

Lynda is amazing to work with.

MD

Michelle D.

5.0

Ventura, CA

Mar 14, 2025

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

AP

Anna P.

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!!

M

Michelle Frustere .

5.0

Jun 26, 2025

Great team of people at Prosperity! Would highly recommend this company!

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

Learn More