Bruce has spent the last 16 years as a loan officer helping clients across Washington D.C., Maryland, and Northern Virginia achieve their homeownership dreams. As a native of D.C. who grew up in the Northern Virginia region, he has a firsthand understanding of the competitive nature of the real estate market in the DMV. Bruce is focused on helping his clients find their dream home in this very competitive market. This means being highly responsive, extremely efficient, and doing everything he can to keep the mortgage process moving quickly. Bruce works closely with each client to help them get the very best mortgage for their specific needs, including a fantastic rate. His top priority is to deliver a great homebuying experience. Buying a home is big deal! Bruce knows this. He truly cares about his clients and works hard for them during the entire process, from start to finish. Bruce joined Guaranteed Rate to give his clients access to their industry-leading technology. They deliver an amazing customer experience focused on providing clients with the information to make smart financing decisions. The company is focused on creating the best client experience in the industry and empowers their loan officers to achieve that goal. As one of the country's largest lenders, they have access to more loan programs for clients with unique needs and the ability to deliver financing solutions at very competitive rates. When he isn’t working, Bruce loves to spend time with his family. Bruce is married with two kids and three, yes three, dogs! He enjoys spending time at his kids sporting events and doing water sports with friends and family at Lake Ana. Bruce is also passionate about fitness.
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.