I'm Bruce. Your local Branch Manager | Senior Mortgage Loan Originator.

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now
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Bruce Waller

Branch Manager | Senior Mortgage Loan Originator
NMLS: 1002298

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now

About Bruce.

Being born with a bad heart forces you to want to make a positive impact on people’s lives – while you can. So that’s been my focus as far back as I can remember. As I grew older, I found the perfect way to make that impact – by helping unique people like YOU make smart choices when getting a mortgage. And every new person I meet, gives me that chance.

Now, I know we haven’t met over the phone, through text or email yet. So until we do, here’s a little more about me:

After graduating from Penn State, I jumped right into the mortgage business. Since then, I've helped clients buy their first home ... second home. Heck, even their 7th home. What’s more, I’ve helped clients slash their interest rates, take cash out to pay off credit card debt ... to pay college tuition … to pay for weddings (ask me about the one that was too close to an active Volcano) ... you name it.

So chances are, I’ll be able to help you accomplish what you’re looking to do. So contact me today :)

P.S. My wife and two young daughters would give me the "look" if I didn't mention them. They're the real reason I work so hard for you – to give them the life they deserve.

Branch Manager (NMLS ID #2489110). Write me today!

 

Focus on Your Home Experience
We’ll focus on your Loan Experience

WHAT PEOPLE ARE SAYING
Reviews
5.00
7 Reviews
I just want to say thanks. From the first phone call to the end of the process you made things seem easy. Thanks again for everything.
Samir
on Sep-26-2023
Really nice people and great customer service, they made sure I understood the process and documents, would recommend them to anyone!!
Areti
on Sep-26-2023
Thank you so much for all your care, attention to details and hard work. The pre approval process really help make our first time home purchase a breeze!
Mina
on Sep-26-2023
Responsive and friendly. Some of the best options in the loan industry. Highly recommend them for all of your mortgage needs.
Carlton Williams
on Sep-26-2023
Excellent 'service' and attention to detail. You walked us through everything so there were no surprises at all. Highly recommended for sure!
Amanda and Jim
on Sep-26-2023
I would just like to personally thank you in regards to our latest mortgage renewal, you made the entire process smooth and painless. We will definitely be using your services again.
Karen
on Sep-26-2023

The answers to all your mortgage questions...

 

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

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No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.