Bruce Rosenberger
VP of Mortgage Lending

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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Loan typeRateAPRDiscount points ($)Mo. payment

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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. 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. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.