NMLS: 1435739
3363 E Presidential Drive Suite #200
Meridian, Idaho 83642
(208) 629-0606
State Licensing Information: ID-MLO-21409, GA-1435739
I am the father of 2 boys and husband to a beautiful wife of 20 years. I started originating loans in 2001 in Atlanta, Georgia. I have held branch manager and loan officer positions in the mortgage industry. I am a Leukemia survivor and current advocate for the leukemia society. I am very social and outgoing and have a true caring for people and their wellbeing. I am a God fearing Christian and I truly believe that I’m so very blessed to be alive. I love my family and friends and my sports… Baseball, Football, Hockey, and MotoGP. I look forward to working with you!
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Premier Mortgage Resources, LLC is not affiliated with or an agency of the federal government. The material is not provided by, nor has it been approved by the Department of Housing & Urban Development (HUD), the Federal Housing Administration (FHA), or any Government agency.
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.
This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Any programs shown do not demonstrate all options or pricing structures. Not all customers will qualify. Terms, programs, and underwriting policies are subject to change without notice. Some products or loan amounts may not be available in all states. Other restrictions may apply.
Refinances
By refinancing your existing loan, the total finance charge may be higher over the life of the new loan.
100% Financing Programs
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. You should consult a tax adviser for further information regarding the deductibility of interest and charges.
ARM Loans
After the initial fixed-rate period on an Adjustable Rate Mortgage (ARM) loan, your interest rate may increase periodically (annual or semi-annually) according to the market index. If the interest rate resets, your monthly mortgage payment may increase.
Lower Rates
Lower rates typically have higher closing costs in the form of discount points.
About HECM (Reverse Mortgage)
At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer or you must otherwise repay the reverse mortgage with interest from your other assets.
We may charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which will be added to the balance of the reverse mortgage loan
The balance of the reverse mortgage loan grows over time and interest is charged on the outstanding loan balance.
You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may be subject to a tax lien or other encumbrance or to possible foreclosure; and
Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan
Reduced Documentation loans (No Doc, No Income/No Asset, Stated Asset, No Ratio)
These products may have higher interest rate, more points or more fees than other products that require more documentation, including income documentation.
Tax Exemption/Deduction
Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.
Opinions
Any opinions expressed within blogs, videos, podcasts, interviews, presentations, or other online content are solely the opinions of the individual/author and do not represent the opinions or policy of Premier Mortgage Resources, LLC.
Texas Complaint-Recovery Fund Notice
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT http://WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT tel:18772765550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMNT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT http://WWW.SML.TEXAS.GOV.
Chris and Liz were outstanding making sure our loan happened. The service, follow-through, and communication was point on. Although our situation was tough, their persistence and understanding it o my helped make this loan happen, but helped my family deal with stressful times. I have other friends that will be moving to ID, and without question I will recommend Chris Bruce, and the Premier Team.
When my husband and I were first recommended to Chris, we didn't think we had any chance at getting into a bigger home. We almost gave up a few times but every challenge that came our way Chris was able to walk us through it and made the process so much easier. He was quick to respond to calls or texts at any time, day or night. He answered our bazillions of questions and was incredibly kind and patient with us the entire time. Not only is Chris extremely knowledgeable about the home loan process but he is also an amazing person. He is so energetic and you can't help but be happy and excited after every conversation with him. Buying a home can be a really stressful thing, but with the right team, it doesn't have to be. Thank you for being a part of our team Chris!
We were finishing up anesthesia school in Wisconsin when we accepted a job in Boise and applied for a loan to purchase a home, so our situation was not ideal. Chris took on the challenge. He went above and beyond to get us approved for a loan so we could build a home and have it ready by the time we moved to Idaho. We hit a few bumps along the way but Chris handled it. We were even able to close on our original closing date! (Not with out some Chris magic…it was a close call there in the end) Chris was very accessible and helpful when I had questions or concerns. I would definitely recommend Chris, especially if your situation is a little complex like ours was.
Chris is a GREAT Loan Officer and will work hard for you! He knows his stuff!
Chris Bruce and Elizabeth Losh are amazing! I would recommend them to anyone looking for a loan. They saved us after we had troubles with another business. We saved so much money going through this company and we were able to complete our loan without any problems.
Chris Bruce and Elizabeth Losh made our first home purchase the most amazing experience. Chris was phenomenal at keeping us informed and up to date on everything that was going on with our home purchase, right up to the closing. Liz was also awesome with letting us know what was what, so we didn't have hardly any questions through the whole process. Even if we did, we knew we could ask Chris get answers right away. Chris is not just our lender, he's become a good friend. Thank you from the bottom of our hearts Chris and Liz!! – The Elsey Family – FIRST TIME HOMEBUYERS!!!!!
Chris Bruce did a awesome job for my client. I’ve been selling Real Estate for 23 years. I have always been reluctant to use a “out of town” lender. I was wrong whenever I get a chance ,I will refer all my clients to Chris. He’s very professional and always available to answer a question. Response quickly to email and text. Don’t hesitate to call Chris Bruce. Thank you , Leonard Ferrigno Lc advantage realty, llc
Chris Bruce went out of his way to make sure I was approved and everything was in order for closing. This was a long process because of a few roadblocks. Chris hung in there to make sure we closed!!!! He has the patience of Job!!!! If you need a mortgage company, premier Mortgage and Chris Bruce is a great choice!!! THANKS CHRIS I am now a home owner.
Chris went out of his way to get our manufactured home loan. A great guy! I would reccomend him.
Chris helped my wife and I with refinancing our home for renovations. He was very knowledgeable and quickly had answers to the questions we had. By far the best and easiest home refinance we have ever done. We will always recommend chris and will use him in the future for our construction loan!
Thank you Chris!
Chris made the refi on my house an absolute breeze! He knows his stuff and is super personable. Any questions I had were answered promptly and in detail. I’d recommend him to anyone looking for a badass loan officer, thanks again Chris! #hypebeast
Chris is awesome and easy to work with. He is knowledgeable about a lot of topics. He is even running for office, and is very involved with his community!
Chris was so helpful with our refinance. We were up a creek without a paddle with our financial situation. But Chris was never judgemental or discouraging of what we wanted to do. Thankfully, it all worked. He is very quick to respond to phone calls, text, and emails. He also works with a great team. Thanks for everything Chris!
Two years ago Chris helped me get into my home.
Just closed on my re-finance. I was happy to remove the PMI and pay off some bills!! Chris did an awsome job. This time I think we finished in a month!!!!
Thanks again Chris♡♡♡♡
Chris is the best loan officer I have ever had the pleasure to have working for our house purchase.
My daughter is a 1st time home buyer, and we had a dream to buy land and put up a modular home. After trying several land parcels, we kept going over our budget. Chris tried everything to make it work, but it just wasn't in God's plan. After 6 months of frustration we went with an existing house. Chris was so helpful and so upbeat during this time. God really put him in our path. The final loan he got for her was awesome.
I have worked with many loan processors in my own home buying and refinancing that I can honestly say he is the best and he truly cares about his customers. He shows God's caring and patience.
Chris will work his best for you. He also is top ranked in communications.
Thank you Chris and God bless you.
Chris has now helped us with two home loans and one re-fi. He has always gone above and beyond to make sure our loan works, and gets our mortgage where we’re comfortable. He is thorough and always communicates through the whole process (and always has cool shoes on)
Chris was great to work with and really went the extra mile to get my family a great house for a price we can afford. Will definitely use his services again in the future.
Chris was wonderful and extremely helpful in the process of us buying our first home! He was always available and answered any questions I had. His flexibility and hard work is worth being noted! I highly recommend Chris and Premier Mortgage Resources. Thanks, Chris!!
Chris was definitely a pleasure to work with he was very prompt on returning phone calls and gathering information for me but I need it not to mention he was very patient with me and I'm very grateful for that. He was a pleasure to talk to you on the phone we had some good laughs and he was very informative with all of my real estate needs and not having much knowledge in it. He definitely went out of his way to find the best deals for me and any assistance available out there he's definitely a great asset to this community for sure
Chris has helped us over the last few months through building a house! This is our second home and Chris made the process so easy and smooth! It was nice to know who was handling our loan and who we could call if we had any questions! Made the house building and buying process so much easier!!!
Chris and his team did an outstanding job always keeping me informed of what was going on on their end and letting me know what I need to be doing on mine. Then changing from a rural development type loan to FHA loan Chris made the transition very easy and worked above and beyond to get me the right loan at the best rate and assistance that I needed he's definitely a great asset in the mortgage field
Chris you are the best, without you several deals would have not happened. We appreciate all the hard efforts to close our loans and more very much value your friendship. Please keep up the great works and say thank you to the entire team.
Chris helped me and my growing family greatly in purchasing a house. Will definitely use him again should the opportunity arises.
Thanks, Chris
Chris did my official loan when we purchased my home; he then did my recent refi and worked to not only get us the best rate, and accomplish everything in a timely manner. I not only would recommend Chris to everyone, but anytime I do a loan again, or purchase another home I will use Chris. Professional; polite; and gets the job done.
It was fast and easy working with Chris. He was friendly and helpful. I would highly recommend Chris.
Chris is amazing! This is the 2nd time we’ve used him for our loan. We wanted to refinance quickly and he made it happen! Start to finish was 10 days! We definitely recommend him for any loan needs 🙂
This guy is an absolute rockstar. At such a busy time he was able to get our refinancing done quick and painlessly I could not recommend a better man to help you with your loan process!
Chris helped us with refinancing our home. He answered all questions we were unsure of. We couldn’t be more happy with the end results. We would refer him to others.
Chris did a simply amazing job of working with us to get us in our home. He was a joy to work with, and exceedingly knowledgeable in the workings we had no clue of. Very highly recommended.
My husband and I are first home buyers. Coming into this situation we really had no idea what we were doing! Chris did an absolutely amazing job helping us know what we needed and helped us understand the process. The communication was amazing and we were always informed of changes or the next steps that needed to be taken in order to get into our home. Thank you for everything Chris!
From day one Chris walked my wife and I through everything we needed to do, as well as kept us up to date on a regular basis of the progress of our first home. Great company and great guy! I would recommend him to anyone!
Chris communicated with us all thru the process. He was always ready to assist and went the extra mile. We thank you Chris for your professionalism and knowledge. We will use him for all our mortgage needs in the future.
Chris worked hard to help us prepare and advise us during our home purchase and build. Chris hung in there for 8 months it took for our build to be completed. Thank you for EVERYTHING!
Great guy. He is nice helpful did an amazing job getting my my loans always keeping me informed and got me the house. Thanks Chris you rock
Chris was AMAZING!! Start to finish was about 10 days. He was there to answer my questions every step of the way. It was so EASY. Thanks again, Chris.
Chris did an amazing job! Such a wonderful experience and super quick. He was there to answer any questions i had and made the experience so smooth! 10 out 10 would recommend him for any housing needs!
Chris was wonderful to work with. The experience was smooth and quick. Chris was available at all times to answer all of my questions. I would absolutely recommend Chris.
Working with Chris was amazing he was very helpful and understanding. He helped client throughout the process and did great job. Will recommend him to all my upcoming client's.
Chris was great to work with for our refinance. He is very outgoing and just a great person to know. He helped us get everything we wanted with our refinance and made the process so easy. He’s worked with others at my pics of employment to refinance their homes and we would all recommend him.
Chris worked really hard for our family. We really appreciate everything he did for us. He always responded quickly to all our questions we asked him. He seems passionate about his job and I feel his goal is to see people happy at the end of this process.
Thanks again Chris for everything.
Chris was so great. He really went the extra mile helping us. He always responded quickly to all our questions we asked. We would definitely recommend him when looking for a loan officer. Thanks again Chris for all the hard work you put in for us.
Chris Bruce was an outstanding loan officer. We would highly recommend him to any of our friends or family. He provided sound guidance and recommendations to us whenever required and his confidence in those recommendations helped us throughout the entire process of obtaining and funding our loan. His expertise and attention to detail was outstanding. We were very fortunate to have him as our loan officer.
Chris really went above and beyond for us (my husband and I) as first time homebuyers. He always called us back when he said he would, he always followed up, and he was great at answering all our (many) questions. We are so excited to be homeowners now! Chris came recommended to us by family, and we are glad we chose Chris/Premier. We will be recommending him to others in the TV who need a home!
Know what he is doing. Doesn’t hide the truth. He will bat for you to the fullest. He is not scared for a challenge. He will answer any time. Great guy. His shoe game is strong !