Bruce Silberman
VP of Mortgage Lending

For over a decade, Bruce has developed and executed tailored strategies, enabling hundreds of clients to achieve the goal of home ownership. His focus is to build long-term, trusting relationships with his clients and strategic partners. Bruce finds this aspect of the lending process most rewarding. He can achieve and maintain a high level of customer service by building a cohesive processing and underwriting team, as well as achieving an efficient loan process.

The key aspect of being successful, especially in our busy lives, is accessibility. When his clients or business partners call, Bruce is always available, which ensures a strong bond. Buying a home or refinancing your mortgage can seem overwhelming if you don’t have an experienced mortgage professional. Bruce guides his clients through the process by providing a consistent level of education and support. Under Bruce’s guidance, his clients navigate through the mortgage process, from pre-approval to closing and beyond, with comfort and ease.

Not all mortgage professionals are the same. Bruce is dedicated to being a truly knowledgeable asset for homeowners and home buyers alike. He also tries to make a difference in their lives as well as with their families. The happiness that fills the room at a closing, when a family is purchasing their first home, is priceless. Bruce says, “It makes me feel as though I’m a new homeowner all over again.” That feeling is contagious and puts a smile on everyone’s face.

One of the highest compliments is the referral of family and friends. Bruce’s experience as a mortgage lender, along with a number of “word of mouth” referrals, has helped his business grow. He is happy to say, “Most of my past clients reach out to me when they want to refinance or make a new purchase.”

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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.