Manuel Bernal Jr. Profile Picture

Manuel Bernal Jr.

NMLS #2071759

Loan Officer





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A photo of Manuel Bernal Jr. with his family in front of a lake.

Manuel's Bio

NMLS #2071759
Loan Officer

Whether it is your first home, securing an investment property, or financing a second home – let me help you achieve your real estate goals. As your personal loan advisor, I will take the time to listen to your vision and assist you in attaining the best mortgage financing.  I am passionate about homeownership and “Creating Experiences That Matter” for you.

A career in the mortgage industry provides me with the opportunity to meet new people and share information as a real estate resource. Every facet of your loan transaction will be handled with professionalism, dedication and personalized care. It is my goal that you are 100% satisfied throughout the mortgage process.  I am looking to gain a client for life.

At the heart of everything I do is my family.  My wife and I are high school sweethearts who separated in our Jr. year of High School due to a family move to another state. After 14 years of no contact, we reconnected and are now living our best life day by day working side by side in the mortgage industry.  Together we have 6 kids, a mix of boys and girls from 8-16 years of age.  We always dreamed of having a big family and together our dreams have come true!

As a Veteran, I am proud to be part of American Pacific Mortgage because of the strength of their culture which embodies the values of respect, transparency and scrappy. It has proven to be instrumental in supporting APM’s longevity and growth over the years. Our culture provides the framework for every decision we make, ensuring your ownership opportunities remain our priority.

I look forward to becoming your mortgage advisor for life.


  • VA Financing
  • First Time homebuyers 
  • Refinance specialist
  • Jumbo financing
  • Homebuyer education
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5 ★ on Our Website, May 11, 2021


Manual was great kept me updated through the whole process. Also was able to answer any questions I had. Yes i would recommend.