Hi, I'm TJ...
Your

Mortgage Consultant

Your Mortgage Consultants

We make the home loan process as simple as possible by guiding you through every step.

Buy a Home
Refinance a Home
Apply Now
Ranked #1 in Customer Satisfaction among Mortgage Origination Companies
For J.D. Power 2024 Award information, visit www.jdpower.com/awards.
TJ Bruyere

Mortgage Consultant

NMLSR

664704

State license
State licenses
CA-DBO664704
Cell Phone
619-227-2050
Office Phone
Address:

2355 Northside Drive

Suite 180

San Diego
CA
92108
Languages:  
Awards received
No items found.

Every one of our Mortgage Consultants can walk you through our products in detail – probably more detail than you want, in fact. So they definitely know their stuff.

More importantly, they want to know about you: What's your goal?

Prefer Meeting in Person?
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

of serving our customers

1500

+

Loan Officers in all 50 states
It includes a review of your Financial Statement. This service is complimentary.
PREQUALIFICATION PROS
There is peace of mind in completing this early step in the homebuying.
EXPEDITED SERVICE
Typical turnaround times are 24 to 48 hours. We're open on weekends too.
Apply for Coop or Condo prequalification letter
STRENGTHEN YOUR OFFER
Your Coop or Condo offer stands out to sellers when you use this complimentary service.

Ask Us About
Pathway To Prosperity

Learn more

Ask Us About
Pathway To Prosperity

Learn more

Ask Us About
Pathway To Prosperity

Learn more
What's your home worth?
Get your free home valuation report!

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.

Calculate Your Mortgage Payment

  • 3%
  • 3.25%
  • 3.50%
  • 3.75%
  • 4%
  • 4.25%
  • 4.50%
  • 4.75%
  • 5%
  • 5.25%
  • 5.50%
  • 5.75%
  • 6%
  • 6.25%
  • 6.50%
  • 6.75%
  • 7%
  • 7.25%
  • 7.50%
  • 7.75%
  • 8%
Mortgage Amount, $
250,000.00
Total Cost Of Mortgage, $
0.00
Monthly payment:
0.00
P&I
Insurance
Taxes
PMI
HOA

Rent Info

Property information

Loan information

Taxes and insurance information

Calculate now
Name
Before
After
  • Taxes and insurance, $
Before
0.00
After
22,500.00
  • Total PMI, $
Before
0.00
After
4,062.50
  • Total maintenance, $
Before
0.00
After
4,500.00
Total payments
51,996.70
125,872.72
  • Average Monthly Payment, $
Before
866.61
After
2,097.88
  • Monthly Rent Savings, $
Total
1,231.27
  • Tax Savings, $
Before
0.00
After
4,550.00
Total Rent Savings
69,326.02
  • House Appreciation Value, $
Total
382,884.47
  • Proceeds Minus Costs, $
Total
356,082.56
  • Loan Balance, $
Total
234,027.44
  • Equity Appreciation, $
Total
122,055.11
Home Purchase Benefits
52,729.09

Is it financially better to buy a home or to rent? The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.

If you were to pay 800.00 per month, for example, and the average rental payment increase was 4.00, you would pay 51,996.70 in a 5 year period toward rent. If you purchased a home and borrowed 250,000.00 with a 6.50 interest rate, and you paid 900.00 every year toward its maintenance, you would pay 125,872.72 in a 5 year period toward mortgage payments if your Federal tax rate is 26.00, you pay 3,000.00 in taxes each year and your annual insurance rate is 1,500.00.

When you consider your tax benefits and the appreciation of your home, however, you will actually SAVE money by purchasing a home. If your home shows an annual appreciation of 5.00 and your selling cost is 7.00, your house appreciation value will be 382,884.47. As a result, your total home purchase benefit will amount to 52,729.09.

Learn more
Learn more
4.88 of 5.00
Our average client rating. YTD 01/2023 on experience.com

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

Member photo
Justin Messer
President and CEO
President and CEO
Justin Messer
App

My Home Mortgage

The ProsperityNow app is a mobile application that helps Loan Officers enhance relationships, stay ahead of the competition and close loans faster! Loan Officers stay front and center with individually branded apps!

Get our app for free!

APPLE STORE
4.8 • 3K Ratings
GOOGLE PLAY
4.8 • 3K Ratings

Articles

No items found.
prosperity
tj.bruyere@phmloans.com
tj.bruyere@phmloans.com
tj.bruyere@phmloans.com
San Diego
tj.bruyere@phmloans.com
1644440684524367
Text Link
TJ Bruyere
tj.bruyere@phmloans.com
619-227-2050
664704