I pride myself on top notch customer service for every client. My expected client experience is simple; always answer my phone at nights/weekends, always return emails or voicemails promptly, answer all questions simply to ensure the client fully understands the mortgage process. As I remind my clients, there is never a dumb question when it comes to a mortgage.

Experience:

I have been working for FNBO since 2013 and I have been in the mortgage industry since 2003. I have been working with Physicians specifically for over 10 years.

Interesting Fact:

I played football for Texas Christian University as a Center, was part of 3 conference championships and went to 5 straight bowl games. Also, I played football with NFL Hall of Famer Ladanian Tomlinson.

Passion:

In my free time, I spend as much time with my Wife, Ashley, and 2 sons, Chase and Preston. We play golf, baseball, football and really enjoying fishing together. We love to travel and are beach bums.

Loan Officer: Michael Bruegel
States: CO, IL, IA, KS, NE, SD, TX

Terms: We offer ARM loans only, amortized over 30 years and fixed for the 1st 10 years. There are 3 main options:  All have student loan deferment.

Option 1

  1. Requires a min of 0% down
  2.            Loan Amounts up to $600k
  3. No Mortgage Insurance
  4.            Requires 4 months of reserves
  5.            Min Credit Score of 720
  6.            Employment contracts that have been fully executed with no contingencies are permitted for verification of income. Applicant must start work within 90 days of loan closing if employment contract is being used

Option 2

  1.            Requires a min of 5% down
  2.            Loan Amounts up to $850k
  3.            No Mortgage Insurance
  4.            Requires 4 months of reserves
  5.            Min Credit Score of 720
  6.            Employment contracts that have been fully executed with no contingencies are permitted for verification of income. Applicant must start work within 90 days of loan closing if employment contract is being used

Option 3

  1.            Requires a min of 10% down
  2.            Loan Amounts up to $1.25 Million
  3.            No Mortgage Insurance
  4.            Requires 6 months of reserves
  5.            Min Credit Score of 720
  6.            Employment contracts that have been fully executed with no contingencies are permitted for verification of income. Applicant must start work within 90 days of loan closing if employment contract is being used

Professionals: 

Physicians and Dentists

Strengths:

We are a family owned and operated bank for over 160 years.  We understand the importance the home ownership process and how moving quickly can help with competing offers. Taking care of our customer is our #1 priority.  We service each and every loan we originate.  We close every loan on time. We have the mortgage technology that allows customer to access their information quick and accurate. Each client can directly reach me on my cell phone on any given day.  We do offer full loan approvals with out a property address, that is a fully underwritten loan.