eberg@houseloan.com
907-205-4250
Emily Berg
Buying a home or exploring a refinance? Connect with Emily to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Emily
Owning a home is one of the great American dreams. I am honored to work with my clients to make that dream a reality, not only in Alaska, but also throughout the lower 48 states. It is a privilege to teach, guide, and support my clients on their journey through the hurdles of homeownership.
Real estate has been part of my life for more than 10 years, and I’ve worn a lot of hats along the way. That experience ultimately brought me to Cornerstone; a place where I have truly put my skills to work for my clients. Whether you’re buying your first home or building your investment portfolio, I’m here to help you think strategically and make smart financial moves with confidence.
Whether you're a first-time homebuyer, a self-employed entrepreneur, or a growing investor, I offer solutions tailored to your financial structure. My expertise includes Conventional, VA, USDA, and FHA loans, along with Bank Statement programs for self-employed borrowers and DSCR financing for both new and experienced investors. I am a top performer in Alaska Housing programs as well and a benefit especially for my Alaskan clients. For loan projects involving Land purchases, Construction builds, or Condo financing, I coordinate closely with builders, engineers, and industry professionals to manage the additional layers these loans require. My goal is always to simplify complex transactions and deliver clarity and reliability at every step.
I believe in living what I help my clients achieve. I’m constantly editing, and renovating my own home, intentionally creating a space that feels like a private getaway in the heart of Alaska. When your home feels like a vacation, it transforms and revitalizes daily life. I am a proud military mom to two wonderful daughters, an Elks volunteer, and someone who loves homesteading, boating Alaska’s waters, and camping with my husband, family and community are at the center of everything I do. And when I find a quiet moment, you’ll likely find me enjoying a good TV series or movie.
Overall, as I work with my clients in my small community and beyond, my goal is to build a lasting relationship in which I advocate for you, your financial wellbeing, and to learn and grow in the business of making home ownership come true.
What clients say about Emily
The Perfect Lender for First-Time Homebuyers! ⭐⭐⭐⭐⭐ Working with Emily Berg was an absolute pleasure from start to finish. As a first-time homebuyer, I was naturally nervous about navigating the mortgage process, but Emily made everything incredibly smooth and stress-free. She is highly professional, deeply knowledgeable, and genuinely cares about her clients. Emily took the time to patiently break down all of my options, answered every question promptly, and kept me updated at every single step. Thanks to her efficiency, guidance, and amazing communication, we closed right on time without a single hitch. I cannot recommend Emily Berg highly enough, especially to anyone buying their very first home. She is a reliable, trustworthy, and truly supportive lender!
Emily and Chelsea were the best to work with!
Emily Berg did an exception job on our loan! She helped us navigate through our application smoothly. I would definitely recommend her to my family and friends.
Emily was so amazing during this entire process! She is very knowledgeable and easy to work with! We Look forward to working with her again in the future!
Emily is AMAZING. She made buying a home sooo easy and fun! She reassured me the whole way and made what I thought was the impossible happen with ease!
Emily did a great job helping us with all of the paperwork and finding the best loan option. Exceptional service.
Very responsive and focused on our account. Helpful and supportive at every interaction.
Lightning quick, great at providing information and informing your decision making. Excellent problem solving skills and extremely friendly. Would definitely go back for future real estate decisions.
Emily was incredible. Our loan was not easy or straightforward, we have unique income situations through commercial fishing and seasonal work and she was not discouraged in the slightest. Even when the IRS delays had us in a pinch she was able to keep things moving to help us close on our house. I had lost all hope and she was there with all the enthusiasm, coffee, and wine, and she managed to pull it off for us! We are so glad we had Emily for this process. Highly recommend!
Emily at cornerstone is amazing! The loan we got was a difficult one to get but she made it happen and was so pleasant and positive throughout the whole process. We are first time home owners thanks to Emily! She was highly recommend to us by friends, family and co workers and we are very glad they did! THANK YOU EMILY for all your hard work and for making our dream come true!
Emily is a superhero! She is very thorough and knows what it takes to get the job done! She went over and beyond to help us reach our goal of being first time homeowners. She’s the BEST hands down!
Let’s connect
Contact Emily
Share a little about your plans and how to reach you.
Office locations
Homer, AK 99603
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Emily today.
