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Profile picture for Deneen Bernard

Deneen Bernard

Lender

Nationally Certified & Virginia Lic (13 years experience)

Specialties:
Purchase Loan,
Refinancing,
Mortgage Planning

Add personality to your profile! Tell the community about yourself, your home, and your profession.

COMMITTED
As a Certified Mortgage Planning Specialist, I am committed to raising mortgage industry standards of practice, ethics and professionalism. I promise to work diligently to ensure honesty, integrity, and to follow-through with my commitments.

QUALIFIED
I am qualified to help clients achieve financial freedom, build wealth and experience their life dreams by implementing intelligent mortgage, cash flow and home equity strategies.

GUARANTEED
… to be honest with everyone
… strive to do the greatest good in every situation
… always respect diversity
… follow through on my commitment to excellence


As a certified mortgage planning specialist I am highly qualified to help you find just the right loan program to fit your short and long term financial/investment needs. In today's marketplace access to up to date information regarding all spectrums of real estate industry is crucial. I work with a number of experienced realtors who have access to hundreds of short sales and foreclosures who can assist you in finding just the right property to fit your budget.

With daily changes taking place in the precarious mortgage lending arena you need a top notch loan originator to get your loan closed! We still have a number of 75-80% LTV home purchase loans programs available to investors as well as 100% financing for qualified first time homebuyers in the state of Virginia so please give me a call so we can discuss how I may best serve you!

Deneen Bernard, CMP, CMPS
Certified Mortgage Planning Specialist in Equity Management/Liability Strategies
Ethically-based, Common Sense Mortgage Financing for Homeowners & Investors
24/7 MOBILE 540-424-5700

EMAIL: dbernard@affordablehomeloans4u.net

Company Profile
 
Deneen is a licensed mortgage originator (MLO-6207VA), registered with the National Mortgage LicensingSystem (NMLS # 207094), employed by Advantage Mortgage Group (Virginia Mortgage Broker license: MC-2136; NMLA #116594), serving the greater Fredericksburg and Northern Virginia region for over 8 years. Advantage's corporate offices are located in Roanoke, VA and is primarily a mortgage brokerage company that prides itself in providing a wide variety of quality mortgage programs at the most competitive rates. We offer conventional and government purchase or refinance loans, debt consolidation, home equity loans, second mortgages, reverse mortgages, construction and land or bridge loans, as well as 203K rehab/home improvement loans tailored to your unique needs.


Wide variety of programs

Advantage Mortgage Group maintains access to the largest and most sophisticated lenders (currently over 40) and, as a result, we are able to offer the best products available in the marketplace. So, whether you are buying your dream home or refinancing your current house to fund a new kitchen, we have the mortgage to meet your unique needs. Fixed and adjustable rate (ARM) mortgages in conforming or jumbo sizes are available with many special options to tailor to your financial situation. If you are buying for the first time or purchasing a vacation home or investment property, we have a great selection of loan programs for you, too. Your loan officer will help you find the perfect fit that gets the most out of your money.
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About Deneen Bernard: COMMITTED<br/>As a Certified Mortgage Planning Specialist, I am committed to raising mortgage industry standards of practice, ethics and professionalism. I promise to work diligently to ensure honesty, integrity, and to follow-through with my commitments.<br/><br/>QUALIFIED<br/>I am qualified to help clients achieve financial freedom, build wealth and experience their life dreams by implementing intelligent mortgage, cash flow and home equity strategies.<br/><br/>GUARANTEED<br/>&hellip; to be honest with everyone<br/>&hellip; strive to do the greatest good in every situation<br/>&hellip; always respect diversity<br/>&hellip; follow through on my commitment to excellence<br/><br/><br/>As a certified mortgage planning specialist I am highly qualified to help you find just the right loan program to fit your short and long term financial/investment needs. In today's marketplace access to up to date information regarding all spectrums of real estate industry is crucial. I work with a number of experienced realtors who have access to hundreds of short sales and foreclosures who can assist you in finding just the right property to fit your budget. <br/><br/>With daily changes taking place in the precarious mortgage lending arena you need a top notch loan originator to get your loan closed! We still have a number of 75-80% LTV home purchase loans programs available to investors as well as 100% financing for qualified first time homebuyers in the state of Virginia so please give me a call so we can discuss how I may best serve you!<br/><br/>Deneen Bernard, CMP, CMPS<br/>Certified Mortgage Planning Specialist in Equity Management/Liability Strategies<br/>Ethically-based, Common Sense Mortgage Financing for Homeowners &amp; Investors <br/>24/7 MOBILE 540-424-5700<br/><br/>EMAIL: dbernard@<a rel="nofollow" href="mailto:dbernard@affordablehomeloans4u.net">affordablehomeloans4u.net</a><br/><br/>Company Profile<br/>&nbsp; <div class="paragraph editable-text" style="text-align: left;"><font><strong>Deneen is a licensed mortgage originator (MLO-6207VA), registered with the National Mortgage LicensingSystem (NMLS # 207094), employed by Advantage Mortgage Group (Virginia Mortgage Broker license: MC-2136; NMLA #116594), serving the greater Fredericksburg and Northern Virginia region for over 8 years. Advantage's corporate offices are located in Roanoke, VA and is primarily a mortgage brokerage company that prides itself in providing a wide variety of quality mortgage programs at the most competitive rates. We offer conventional and government purchase or refinance loans, debt consolidation, home equity loans, second mortgages, reverse mortgages, construction and land or bridge loans, as well as 203K rehab/home improvement loans tailored to your unique needs.<br/><br/></strong></font></div><br/>Wide variety of programs<br/><br/>Advantage Mortgage Group maintains access to the largest and most sophisticated lenders (currently over 40) and, as a result, we are able to offer the best products available in the marketplace. So, whether you are buying your dream home or refinancing your current house to fund a new kitchen, we have the mortgage to meet your unique needs. Fixed and adjustable rate (ARM) mortgages in conforming or jumbo sizes are available with many special options to tailor to your financial situation. If you are buying for the first time or purchasing a vacation home or investment property, we have a great selection of loan programs for you, too. Your loan officer will help you find the perfect fit that gets the most out of your money.

Ratings & Reviews

Deneen was very helpful with advice and knowledge. She was quick in response with an approval and made the process very easy. The application was simple as she walked me through step by step with answers to any questions I had.

  

03/30/2014 - user4567423
Closed purchase loan. Fredericksburg, VA

Deneen was very helpful with advice and knowledge. She was quick in response with an approval and made the process very easy. The application was simple as she walked me through step by step with answers to any questions I had.

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03/30/2014 - reneelynn0428
Closed purchase loan. Locust Grove, VA

Deneen was an extremely impressive lady to work with. She was very persistent and determined to make sure we received the best loan possible. Even after we went to closing, Deneen has called and email me several times to see how we were settling into our new home and recommendations for our future. I am very lucky to have worked with such a wonderful person, and I wouldn't work with anyone else for my mortgage needs.  More Less 

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03/30/2014 - mremington1
Closed purchase loan. Fredericksburg, VA

Deneen Bernard is truly a professional in all areas of the real estate business when it comes to purchases and refinancing. She is extremely responsive, knowledgeable, helpful by going out of her way to take the time to meet and share her knowledgeable experience to assist her clients in the best way possible. We have used Deneen for about ten years for multiple purchases and refinancing, and she never fails to amaze us with her expert advise and knowledge creating a smooth and trouble-free closing.  More Less 

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