Southern California · Mortgage Finance & Real Estate
For buyers and owners whose money is complicated.
One place to start with two independent practices. Ron Berg brokers purchase, refinance, equity and reverse financing for borrowers who don’t fit a retail bank’s box. Amara Berg runs property management and client relationships through Big Returns. Separately owned and operated.
Self‑employed, investor, jumbo & reverse specialists
Property management — San Diego County
Ron Berg
C2 Financial Corporation · NMLS #135622
Purchase, refinance, cash‑out and reverse financing, specialising in the files retail banks decline. Your tax returns are a tax strategy, not a résumé — and Ron knows how to prove the income is real.
For homeowners 62 and older, a reverse mortgage can turn equity into monthly income, a standby line of credit, or a lump sum, with no required monthly mortgage payment. You stay on title and remain responsible for taxes, insurance and upkeep. Worth understanding properly before deciding it isn’t for you.
Amara Berg
Big Returns, Inc. · CA DRE #02322119
Property management for owners who would rather not do it themselves, and the client and partner relationships behind both practices — from the first call through closing and long after.
How this works
A mortgage practice that isn’t general.
Most brokers will take any borrower. Ron’s practice is built around a specific kind of file — and says so plainly.
The loans banks decline
Ron brokers financing for self-employed, investor, and asset-rich borrowers: the files that don’t fit an automated underwriting box.
Refinance, equity and reverse
Lower a payment, pull cash out, or convert equity into income after 62. Same question every time: what does this actually cost you over the life of the loan?
Management, if you need it
Amara’s practice, Big Returns, runs property management for owners and the client and partner relationships behind both businesses. Separate company — you’re never obliged to use both.
Ron’s specialty — mortgage finance
The borrowers everyone else calls difficult.
A strong balance sheet with a low adjusted gross income isn’t a problem — it’s a structuring question. These are the files Ron places regularly, along with reverse mortgages for homeowners 62 and older.
Start here
Tell us the situation before you tell us the number.
Whether it starts with a loan or a property, the first conversation costs nothing and commits you to nothing.
Ron Berg — (858) 634-9950 · Ron@CaliMortgageGuy.com
Amara Berg — (619) 550-7074 · Hello@bergequitygroup.com
A shared website for two independent practices: Ron Berg, mortgage broker with C2 Financial Corporation, and Amara Berg of Big Returns, Inc., property management and client relationships.
Loans & Refinance
Book a call with Ron
Purchase pre-qualification
Equity & cash-out report
Start an application
NMLS Consumer Access
Big Returns
Book a call with Amara
Rental analysis
What’s my home worth
Cash Offer San Diego
BergEquityGroup.com is a shared website for two independent practices. Mortgage services are provided by Ronald Berg, a licensed mortgage loan originator with C2 Financial Corporation. Real estate and property management services are provided by Amara Berg, a licensed California real estate salesperson, through Big Returns, Inc., a California real estate corporation. The two practices are separately owned and operated, and using one does not require using the other.
Mortgage — Ronald Berg · NMLS 974839 · CA DRE 01300997 · AZ #1046871 · NV #49743 | C2 Financial Corporation · NMLS #135622 · CA DRE #1821025 · AZ #919209 · NV MLD #3260 · 6549 Mission Gorge Rd, Suite 3012, San Diego, CA 92120
Real estate & property management — Amara Berg · CA DRE #01961620 | Big Returns, Inc., a California real estate corporation · CA DRE #02322119 · 401 West A Street, Suite 200, San Diego, CA 92101 · (619) 550-7074. Brokered by Big Returns. All information provided is deemed reliable but is not guaranteed and should be independently verified. Equal Housing Opportunity.
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker #01821025; NMLS #135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional, and all conditions must be met by the borrower. A loan is only approved when the lender has issued approval in writing, subject to the lender’s conditions. Specified rates and programs may not be available for all borrowers. Rates are subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender.
Reverse mortgage information on this page is educational and is not a commitment to lend. With a reverse mortgage the borrower retains title to the home and remains responsible for property taxes, homeowners insurance, and property maintenance. The loan becomes due and payable when the last surviving borrower dies, sells the home, or no longer occupies the property as a principal residence. Counseling with a HUD-approved counseling agency is required, and not all borrowers or properties will qualify.
As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on its relationships with FHA-approved lenders. Program descriptions on this page are general and illustrative; they are not commitments to lend and do not represent all available options or requirements.
© 2026 Ron Berg & Amara Berg. All rights reserved.