Tim Bruce
An Expert Independent Mortgage Broker You Can Trust
Competitive Rates and Pricing Available through Multiple Mortgage Lenders
Licensed in Michigan
Individual NMLS # 1675025
Company NMLS # 2730459
Michigan 1st Mortgage Broker License # FL0026753
Michigan 2nd Mortgage Broker Registrant # SR0026775
My Services
Conventional, Jumbo, FHA, VA (I’m also a Veteran, 4 years USMC 2009-2013, Honorably Discharged) and Non-QM programs are available. I Offer Very Competitive Rates and Pricing and Have Access to Multiple Lenders. I also have access to DSCR Loans for investors. I DO NOT charge an up-front credit report fee or application fee.
Pre-Approvals for Clients Who Are Looking to Purchase Their Next Home and First Time Home Buyers
Purchase Mortgages for Clients Who Are Already Under Contract
Home Equity Loans and Home Equity Lines of Credit Options for Clients Who Want Cash but Don’t Want to Refinance
Cash Out Refinances for Clients Who Are Looking to Get Cash and Rate and Term Refinances to Lower interest rates
All Consultations May Be Done In-Person (In Most areas in Michigan), Over the Phone, Over Facetime, Google Duo, and Zoom. I can do initial conversations and/or rate quotes via Email or Text Message but we will need to communicate on another platform once we move forward.
Disclaimer: I am not affiliated with, nor do I work for the Federal or State Government, FHA or VA, or any Government entity.
Additional Disclaimer: I am not employed by any of the potential lenders that will be funding your loan. I am a completely Independent Mortgage Broker.
I follow all equal credit opportunity laws and do not discriminate based on race, ethnicity, gender, gender identity, sexual orientation, age, veteran status, or any other protected class.
About Me
Hi, my name is Tim Bruce. I’m an Independent Mortgage Broker Licensed in Michigan and the Owner of The Bruce Mortgage Company, L.L.C. I have multiple years of experience as a Mortgage Loan Officer and Underwriter. I’ve also worked for multiple lenders in the past. Fun Fact. I’m also a Veteran of the US Marine Corps. 4 years - 2009-2013, Honorably discharged. I also have a Bachelor of Science in Psychology with a minor in Business Administration from Wayne State University.
You can verify my license information on nmlsconsumeraccess.org. The link below will take you to my license numbers to verify my company and license numbers.
My company NMLS # is 2730459. My Individual NMLS # is 1675025.
Contact Me
Interested in working together? Fill out some info and we will be in touch shortly. Let me know if you’re looking to get a pre-approval for a purchase, are already under contract, looking to get a Home Equity Loan or Home Equity Line of Credit, or refinance in the purpose dropdown. Finally, let me know any additional information that you would like to let me know prior to our consultation. Please provide at least one method of contacting you. Thanks, and have a great day!