Senior Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
7231 S. Tamiami Trail
Bradley has elapsed his 17th-year milestone at Prosperity, serving as a licensed Senior Mortgage Consultant originating loans in the District of Columbia, Maryland and Virginia.
From 2014 until 2021, Bradley was the lead originating partner of his team representing PHM's Woodley Park, Georgetown, and Logan Circle offices in Washington, D.C. Bradley's team consistently reached production heights & recognitions within the company’s prestigious Elite Team, President’s Club, and Chairman's Club; earning a 2021 Scotsman's Guide nationally ranked spot of #705 with $146+ Million in closed loan volume production that year out of over 550,000 industry NMLS licensees in the US (0.001% top volume category). Historically, Bradley's annual origination production is over 85% purchase-focused, with a wide array of expertise in residential lending products, loan structuring, policies and mortgage finance planning for luxury upper-bracket buyers, first-time buyers, investors, and those navigating the buy/sell move-up process and/or investment conversion plans, new construction & renovation.
Bradley is consistently recognized by his clients and peers for his mortgage planning forward-looking approach, ethical advice, professionalism, and integrity. He constantly strives for an excellent customer experience.
Philanthropy | Bradley participates in community service and makes monetary donations towards causes held close to his heart & values. Donations have been applied towards funding local public-school projects requested by students & teachers via DonorsChoose.org, combating poverty & homelessness with housing and basic needs through DC’s Habitat for Humanity & A Wider Circle, hurricane crisis relief through GlobalGiving, and supporting the Trevor Project suicide hotline.
Visit us in Fort Myers, FL
About ME
Empowering Our Community Through 18 Years of Expert Lending Support.
With over 18 years of personal lending experience, I've had the privilege of assisting over 1500 clients, and we're committed to continuing our legacy of community impact and client satisfaction.
18
+ Years
1500
+
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Pathway To Prosperity
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Pathway To Prosperity
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Pathway To Prosperity
I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
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.
Are Pre-Qualification and Pre-Approval the same thing?
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.
What's the difference between an adjustable and a fixed rate 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.
What is Private Mortgage Insurance (PMI)?
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.
Can I access my home equity before I finish paying off my 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.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments 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.
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