Bernice Chau

  • Sr. Loan Officer
  • NMLS: 245002 CAL DRE# 01300642
  • (415) 412-5363
  • 3327 Castro Valley Blvd.
  • Castro Valley, CA 94546

As a lender who has been in the business since 1999, I enjoy helping clients choose a solid loan program that is just right for your needs. Whether this is your first home loan, your last, a loan for an investment property or a vacation home, or need to refinance, I would be honored to be your Senior Loan Officer.

Clients can rely on my experience, education, knowledge, and market research to choose a loan that fits their needs now and in the future without feeling pressured to commit.

Our first step is to discuss your needs and for me to share the loan programs that are out there for you. I understand securing a loan can often be a daunting process, but it is my goal to provide you with an experience that answers your questions, eases your mind, and allows you to feel secure in choosing a home loan that fits within your budget and your situation.

Concerned about the different loan choices? Let me explain the benefits of each and assess what makes the most sense for you and your family.

Not sure whether paying points makes sense? We can crunch the numbers together and I can show you how this might impact your finances.

Confused about the process, timing, what paperwork needs to be submitted? Let me ease the burden with guidance and trust that I can ease you through the process.

Self-employed? Recent job or family-life change? Circumstances that might cause you to worry about qualifying? I am a great listener who has experienced clients with many of your same situations and will be happy to listen with patience and without judgment.

Equal Housing Lender. Contact me at bernice@bayareafunding.com.

Making Sense of the Current Housing Market
Making Sense of the Current Housing Market
Sep 28 2022   first time buyer first home first mortgage home loan apply for a first home loan
The housing market has been a roller coaster ride since 2020, particularly as more people worked from home and looked for new places to live. Interest rates also hit a record low during this time, leading to a seller’s market where bidding wars... Read More
Watch Out for these Red Flags When Buying a Home “As Is”
Watch Out for these Red Flags When Buying a Home “As Is”
Sep 21 2022   first time buyer first home first mortgage home loan apply for a first home loan
While house hunting, you might have seen some listings of homes sold “as is.” Home buyers might find these types of homes attractive because they’re typically priced lower than similar houses. Before you purchase an “as... Read More
Concessions You Can Get Even In A Seller’s Market
Concessions You Can Get Even In A Seller’s Market
Sep 14 2022   first time buyer first home first mortgage home loan apply for a first home loan
Who doesn’t want to get a good deal on a home? It’s normal for home buyers to try and negotiate with sellers to get the best deal possible. But in this seller’s market, where homes are selling fast and buyers don’t always have... Read More
What Does a Home Inspector Look For in a Home You Want to Buy?
What Does a Home Inspector Look For in a Home You Want to Buy?
Sep 7 2022   first time buyer first home first mortgage home loan apply for a first home loan
It’s easy to fall in love with a home, especially if it looks good on the outside. In a seller’s market where buyers move quickly, some have considered waiving the home inspection to get their offer picked over the... Read More

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