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Steve Bertone

Area Manager | Senior Loan Advisor | Riverside – Flagstar Home Loan Center, California | Escondido – Flagstar Home Loan Center, California

License/Certifications: NMLS 613292


Cell: 951.660.4802

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Home > About Us > Our Team > Steve Bertone

My Story

As a Senior Loan Advisor and Area Manager serving Riverside, Carlsbad, Escondido, and surrounding areas, Steve Bertone is an excellent example of the caliber of Flagstar Bank mortgage professionals.


Steve’s 28+ years of experience in residential mortgages and a BS degree from San Diego State University in Finance have served him well in management roles in top tier lending institutions. He is excited about enhancing his old-fashioned relationship business style with the power of Flagstar Bank’s direct lending approach to residential mortgages.  Building on his core business foundation of honesty and trust, Steve leverages the innovative lending products, tools, and technology of Flagstar Bank.


Steve Bertone’s decades of mortgage experience and focus on building lasting relationships is the perfect platform for servicing all client types and their unique mortgage and financial situations. First-time homebuyers find a welcoming environment of support in their first and often largest financial transaction so far in life.  Steve and his team of loan advisors are local real estate and mortgage market experts with the expertise to work with every borrower, including jumbo borrowers and home buyers with unique financial structures requiring innovative mortgage solutions.


Flagstar Bank’s depth of mortgage products, competitive rates, and financial consulting services are of immense value to every client, no matter the size of their mortgage or their financial situation. Steve Bertone recognizes the value and looks forward to using every tool to match clients with the perfect mortgage for their financial situation.


Steve is married and the father of two, and he looks forward to working with every borrower as if they are family as well.



“Working with Steve Bertone was a absolute pleasure! As well as Brandi Edwards hard work , thanks you Flagstar team.”
-Todd B.

“Very professional & efficient.”
-Kevin L.

“The process of obtaining a refinance of my home could not have been easier. Paul Schwab was excellent, professional and always positive”
-Sue S.
“Everyone that I worked with was so great.”
-Quint B.

“Steve Bertone and his Flagstar colleagues made the process of refinancing our home as smooth as it could possibly be.”
-Eric O.

“The process was very smooth and I felt very supported by the entire team.”
-Bonnie Z.

“Throughout the whole refinancing process we were treated like family and with incredible professionalism. Our family has a more than 20 year history with the Area Manger and continue to receive current and important information for our mortgage needs.”
-Jeffrey H.

From 1-5, 5 being the best, Buying Agent Michael N. scored Steve Bertone as:
5 – Overall Performance
5 – Communication and accessibility

5 – Smooth and enjoyable process

5 – Friendly and courteous staff
5 – Professionalism
5 – Knowledgeable and resourceful

Branch: Riverside – Flagstar Home Loan Center

7111 Indiana Ave, Suite 200

Riverside, CA 92504


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Branch: Escondido – Flagstar Home Loan Center

16935 West Bernardo Dr, Suite 114

San Diego, CA 92127


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