Justin Berteaux

About

Meet Justin — Your Trusted Mortgage Advisor in Silicon Valley & South County

With over 23 years of experience in real estate finance, Justin has dedicated his career to helping clients successfully purchase and refinance homes throughout Silicon Valley and South County. A graduate of Santa Clara University, he began his career in mortgage lending and has since built a reputation as one of the most trusted and accomplished mortgage professionals in the region.

Born and raised in San Jose and now serving Morgan Hill and Gilroy (affectionately known as South County), Justin combines deep local market knowledge with high-level industry expertise. He has held senior leadership and management roles at major national banks and mortgage institutions, giving him a broad perspective across retail banking, mortgage banking, and specialized lending platforms.

Justin is a six-time recipient of the San Jose Mercury News “Best in Silicon Valley” award, and he has successfully guided clients through thousands of real estate transactions — from straightforward home purchases to highly complex financing scenarios.

His experience includes:

• First-time homebuyer loans

• Jumbo and multi-million dollar financing

• Investment property loans

• DSCR (Debt Service Coverage Ratio) loans

• Asset depletion loans

• Refinancing strategies

• Complex income scenarios (self-employed borrowers, multiple income streams, etc.)

Whether your transaction is simple or uniquely challenging, Justin brings the expertise, strategic thinking, and steady guidance needed to close smoothly and on time. His commitment to aggressively competitive rates, ethical lending practices, transparent communication, and client-first service ensures that every borrower feels confident from application to closing.

If you’re looking for an experienced mortgage loan officer in Morgan Hill, Gilroy, San Jose, or anywhere in Silicon Valley, Justin is ready to help you secure the right loan with clarity and confidence.

Call today to discuss your home financing goals.

Supreme Lending