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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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.