My name is Hans Bruhner and I am the Branch Director of First Priority Financial in Sebastopol. We are licensed in all of California but we concentrate on Sonoma, Marin, Napa and the San Francisco bay area.
I have been in the real estate business since 1989 when I started as a property manager in Sacramento. I moved into the mortgage side of the business in 1992 and aside from a side trip into selling real estate for a year, the mortgage end of the business has been my focus.
Having started my career in Sacramento, I became familiar with all of the acronym loans...... FHA, VA, PERS, STRS, FNMA, USDA, FHLMC and it served me well as a base of knowledge to build my career on. When I started, we did not have FICO scores or stated income loans. We looked at tax returns and paystubs and actually qualified the borrowers on their own merits. Today, we rely heavily on FICO scores and stated income loans have come and since gone the way of the dinosaur.
My experience and background gives me a unique advantage over my local competition. loan officers who have not been in the business longer than 5 years have not had to read a tax return or analyze complicated income situations. They have also not needed to use USDA, VA & FHA loans because they just did not fit our unique landscape. Experience and integrity count for a lot in today's market and my advice does make a difference.
First Priority Financial, Inc. NMLS 3257 and Hans Bruhner NMLS 243484 are licensed by the Department of Business Oversight under the CRMLA.
I am an expert at home loans to purchase real estate. I refinance homes for my clients all the time but my expertise really comes into play when you are trying to figure out which loan program, how much money do you put down, working with appraisers, title companies, real estate agents, underwriters, funders, document drawers, processors..... There are a lot of people to deal with on each and every loan and that is where my team really shines.
I am a mortgage banker and broker licensed in California. I have been licensed since 1989. Most of my business is referred to me. Give me a call and find out why. - Hans