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

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Lynda Bernal

Mortgage Consultant

NMLS: 224231

805-701-0199
Address: 4574 Market Street, Ventura, CA, 93003

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.

Buy a Home
Refinance a Home
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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

Where can we help you thrive?

Are you looking to buy your first home? Need help managing your mortgage payment?

Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.

Select a module

First time homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Realtor

Realtor

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

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

What my clients say...

RS

Ryan Schuster

5.0

Ventura, CA

May 19, 2023

Lynda is kind and professional. She made the process very easy..

AG

Aaron Gaston

5.0

Ventura, CA

May 17, 2023

Lynda is the best.

AP

Anthony Pamintuan

5.0

Port Hueneme, CA

May 10, 2023

Lynda’s willingness to work and advise me as a first time home buyer exceeded my expectations based on prior experiences. Lynda was prompt with her responses and accurately answered all questions. She gave consistent status updates throughout the process and ensured to keep me in the loop of everything going on.

AS

Amy Shertzer

5.0

Oxnard, CA

Apr 20, 2023

Linda is the best! Always willing to help! She is extremely nice and knowledgeable.

FC

Frances Chacon

5.0

Orangevale, CA

Feb 24, 2023

Lynda made me feel confident every step of the way.

JC

Jay Calupe

5.0

Oxnard, CA

Feb 22, 2023

It was an easy process , very informative. Lynda is amazing . I would totally tell my family and friends. thank you Lynda for your patience with us and helping us getting this dream home for our family

KA

Karl Ashmore

5.0

Camarillo, CA

Jan 4, 2023

The whole team communicated with us all steps thought the process. And had no problem answering questions.

SR

Samantha Rohlfing

5.0

Ojai, CA

Dec 22, 2022

As first time home buyers, my husband and I started this process with no knowledge in seeking a home mortgage. Lynda made each step clear, explained everything in detail, and was extremely responsive! She made everything happen FAST, which is what we needed. She also was extremely knowledgeable on VA loans. We felt very confident and comfortable with Lynda on our side.

AB

Adams Bernhardt

5.0

Ventura, CA

Nov 22, 2022

Lynda saved the day! After entering escrow, our prior lender was having issues processing the loan due to the condition and age of our house. Lynda came in and saved the day, securing a loan without the requirement for an appraisal and the associated scrutiny that we couldn't risk for a house built in the 20s. Very excited to be home owners and have the opportunity to renovate our new beach shack!

VB

Victoria Bernhardt

5.0

Ventura, CA

Nov 14, 2022

Lynda was amazing and so helpful during this process, which was a first for us. We literally had no idea what we were doing! Lynda took the time to walk us through each step and explained things very well. She was highly communicative and responsive via phone call, text, and email. I am so thankful to have had Lynda along side us during this experience.

DJ

Destiny James

4.7

Ventura, CA

Oct 7, 2022

Lynda was always available to answer my questions, even prior to when I found a home. She was professional, polite and always willing to help. She advocated for me during escrow and coordinated with other people involved to make sure closing went as smooth as it could.

DM

Debra Munson

5.0

Los Angeles, CA

Sep 27, 2022

Communication! Lynda and Art responded quickly to all my questions and patiently explained every phase of the process. I heartily recommend either /both of them should you have the need for their services.

UB

Ursula Bosson

5.0

Camarillo, CA

Sep 16, 2022

Lynda was amazing!

PB

Peter Baird

5.0

Oxnard, CA

Aug 6, 2022

Lynda was always available for our questions and headed off problems by anticipating and solving them (with our input when necessary) with grace and aplomb. A true professional, she will guide you through the finance process smoothly.

TB

Teresa Baird

5.0

Oxnard, CA

Jul 28, 2022

Quick responses to all questions and concerns.

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

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SEARCH ENGINE IS POWERED BY

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.

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Take a look
inside our world

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

Lynda Bernal

Lynda Bernal

Mortgage Consultant

NMLS: 224231

Learn More