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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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

Hire Me

I've built companies, led hundreds of LOs, and created systems that generate leads while I sleep. Three ways to work with me.

Mortgage Industry

For realtors, loan officers, and mortgage companies who want the unfair advantage I built for myself.

  • Realtor partnerships: pre-approvals in 24 hours, on-time closings, the deals other lenders fumble
  • Loan officer mentorship: lead gen systems, social content that converts, pipeline automation
  • Mortgage company leadership: built and led 950+ LOs, technology integration, culture, revenue strategy
  • BeapBeap SaaS access: the same automation platform powering my own production
Let's Talk

Consulting

Hire me to fix what is not working in your business or help you build what is missing.

  • Lead generation strategy, scraper architecture, content pipelines
  • Sales process design and team training
  • CRM and automation integration (BeapBeap, Salesforce, HubSpot, custom)
  • AI agent deployment for sales, support, and operations
  • Hourly, project, or retainer engagements
Book a Call

Executive Engagements

For companies that need an executive to come in and audit the whole picture, not just one workflow.

  • Architecture and systems review across the org
  • P&L deep-dive and revenue leak analysis
  • Operational efficiency and automation opportunities
  • Hiring, comp, and culture audits
  • Board and leadership advisory
Schedule an Engagement

What People Say

Real results from real clients and partners.

“
★★★★★

When I first came in contact with Justin to refinance my home I was pessimistic due to being self-employed along with numerous previous unsuccessful attempts. Justin went above and beyond in helping me to secure my 30-yr fixed mortgage with a much lower interest rate than I expected or even hoped for. He was encouraging every step of the way.

Self-Employed Refi Client
Haiku, HI · 5★ Zillow
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★★★★★

Justin helped my elderly Mother refi her house. Because of her fixed income it was challenging. Justin spent a lot of time working with us to make sure all the paperwork was completed and really went out of his way to explain the process to my mother. I highly recommend Justin if you need a refi.

Sean Thompson
Laguna Niguel, CA · 5★ Zillow
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★★★★★

Justin and his team were fantastic! Fast service, fast communication, great rate and willing to work with my title company. Happy to do business with them and we will contact again for next refi or buy!

Michael Nyman
Refi Client · 5★

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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[email protected]
Email me directly
📍
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.