NMLS# 368469 · Director of Sales Excellence · EMC

I close loans other lenders won't touch.

7,000+
Clients Served
$2B+
Loans Funded
20+
Years Experience
15
State Licenses
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Justin Bermingham and family
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I Need a Loan

VA, HELOC, DSCR, construction, commercial. If you've been denied somewhere else, call me — that's literally my specialty.

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I Want to Work With Justin

I've founded a top 1% mortgage company, built AI-powered lead systems, and now lead 950+ LOs. Strategy, technology, results.

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Ready to get started? Apply online in minutes.

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What I Do

Mortgage solutions for people who want straight answers and fast closings.

VA Loans

$0 down. No PMI. Most veterans don't know what they're owed. I make sure they do — and I close them fast.

5-Day HELOC

Not 5 weeks. 5 days. Your equity should work as fast as you do.

DSCR Investor Loans

Qualify on rental income. No tax returns. No drama. If it cash flows, I can close it.

Construction Loans

Everyone else runs from these. I specialize in them. Custom, spec, renovation.

Commercial & Non-QM

Denied twice? Send me the deal. Mixed-use, multifamily, bank statement, ITIN.

Refinance

When the math works, I'll show you. When it doesn't, I'll tell you. No games.

About Me

I'm Justin. I'm a mortgage guy in Southern Oregon who actually picks up the phone.

I specialize in the loans other lenders run from — construction, commercial, DSCR, VA. If you've been denied somewhere else, call me. That's literally my specialty.

I founded Everyone's Loan Company and grew it to the top 1% in originations nationally before orchestrating a successful acquisition. Now I lead sales excellence at EMC across 950+ loan officers and 15 states.

But I still close deals myself. Over 7,000 clients and $2 billion funded later, I still pick up every call. Because the day I stop closing is the day I stop being useful.

When I'm not working, I'm hiking with my daughters, coaching their soccer team, or planning my next summit. I work hard because I love what I build — for my clients, my team, and my family.

Trusted Guidance. Proven Results.

  • Expert guidance through the entire mortgage process
  • Personalized solutions for your unique situation
  • Transparent communication every step of the way
  • Complex scenarios are my specialty, not my problem
  • Available 7 days a week — I answer my phone

Awards & Credentials

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Top Salesperson

EMC · 2022

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Challenged Credit

EMC Certified

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DSCR Specialist

EMC Certified

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Conventional Specialist

EMC Certified

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Top 1% Nationally

Everyone's Loan Company

Licensed in 15 States

AlabamaArizonaCaliforniaFloridaKansasMaineMichiganMinnesotaOhioOklahomaOregonPennsylvaniaTennesseeTexasVirginia

For Business

I've built companies, led hundreds of LOs, and created systems that generate leads while I sleep.

For Realtors

I'm the lender your buyers call after they get denied somewhere else.

  • Pre-approvals in 24 hours, not 2 weeks
  • I close on time — your reputation matters to me
  • VA, DSCR, construction — deals other lenders fumble
  • One call, one relationship, every deal type
Partner With Me

For Loan Officers

I've built lead systems, trained hundreds of LOs, and grown production from zero to top 1%.

  • Exclusive lead gen systems that run autonomously
  • Social content that actually converts
  • Pipeline management and automation
  • Mentorship from someone who still closes
Let's Connect

For Mortgage Companies

Need a leader who builds systems, not just manages people? Done it before — startup to top 1% to exit.

  • Sales leadership across 950+ loan officers
  • Technology integration (AI, CRM, automation)
  • Culture building that retains top producers
  • Revenue-first strategy, measurable results
Hire Me

BeapBeap — My SaaS Platform

Built to automate what I was doing manually: personalized mortgage quotes via SMS and email in minutes.

  • Automated quote delivery via SMS + email
  • Campaign sequences that nurture and convert
  • Built for mortgage, expanding to other verticals
  • The same system powering my own production
Learn More

What People Say

Real results from real clients and partners.

“

Justin got our VA loan closed when two other lenders said it couldn't be done. He picked up the phone on a Saturday and had us pre-approved by Monday.

Veteran Homebuyer
Grants Pass, OR
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I've partnered with a dozen lenders. Justin is the only one who closes on time, every time. My buyers trust him because I trust him.

Local Realtor
Southern Oregon
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He showed me how to build a lead system that runs while I sleep. My production doubled in 6 months. Best mentor I've had in this business.

Loan Officer
EMC
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Get in Touch

Call, text, email, or fill out the form. I respond fast.

Direct Contact

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(949) 842-2006
Call or text anytime
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📍
Grants Pass, Oregon
Serving all of Southern Oregon & 15 states
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E Mortgage Capital, Inc.
NMLS# 1416824 · 3750 S Susan St, Santa Ana CA 92704

Send a Message

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I'll get back to you within 24 hours. For faster response, call or text (949) 842-2006.