I am a native Virginian, born and raised. I come from a large family, four brothers and a sister.
On October 7th, 1990 I met my husband, a Marine. Jim and I had our first big date at the Marine Corp Ball. He looked so handsome in his uniform! Less than 10 months later we were married. That was 25 years ago, four kids, Brittany, Zachary, Josh & Noah, one son-in-law, Henry and one grandson, Henry, V later.
12 years ago in a PTO meeting I meet Manya Rayner. She and I became friends when she convinced me to run for the PTO board. She also brought me into her company, Churchill Mortgage and taught me the mortgage business. 12 years later I’m still serving on PTO boards, this year as President at BPHS, and we remain life-long friends.
January of 2014 I decided it was time to branch out on my own, to start a company that I could build for my family. As a result, America’s Choice Mortgage was born on May 1, 2014. We are family owned and operated, Brittany is my senior processor and Zach is on his way to becoming an originator. Amanda Ulmer handles all the social media and websites, is my personal assistant and on her way to becoming a member of the family!
Our mission is simple, to provide the best program and services to our client, to go above and beyond in making this process of buying a home as stress free and positive as possible.
My husband was medically discharged from the Marine Corp when he broke his back. We were a young couple with 2 small children at the time and looking to purchase our first home. The experience was a nightmare. Our agent convinced us to pay considerably more for the home than was necessary, and our lender charged us over 5 points – that’s 5%, money we definitely didn’t have!
My personal goal is to always put the needs of my client above my own and in so doing, you will always be my priority!
I have a special place in my heart for those who serve, both here and abroad. Our family has a long history of service through the military, police, firemen, teachers and nurses and, in my own small way, I want to give back by serving you. I am the proud wife of a Marine, I know the sacrifices of those who serve and welcome the opportunity to be of service to you!
Senior Processor & Loan Originator
I was born and raised in Beaufort, South Carolina. Married my high school sweetheart and have a 4-year-old son who is just as ornery and cute as the day is long. I moved to Virginia over 8 years ago and have been processing mortgages ever since. I am a senior processor here at America’s Choice Mortgage Company and have my license to originate loans as well. I love being able to be a part of making our clients home buying dream come true.
Senior Processor & Loan Originator
My whole life leading up to getting in this business was spent trying to figure out what I wanted to be when I grew up. I had dozens and dozens of dreams and aspirations but could never nail one down to pursue, the one common thread in each of these fields was helping people, I have always wanted to help people and make people happy.
In September of 2014 Sandy (my Mother) offered me a job with America’s Choice, at the time I was in construction working for my now Father-In-Law and decided I should give this a shot. In the movies when the kid goes to work for the family business he is basically handed the keys to the castle and is spoiled by the success of the people who built it. Not me and not with my Mom’s company, my “job offer” felt like a tryout, I started with the very basics, with my older sister as my trainer (you can only imagine….). I was filing documents and making sure loan packages were in order, it was months before I was even allowed to answer a phone. I really did start at the bottom and work my way up, learning as I went along. And that was the purpose of starting me that way, she didn’t bring me in and get me licensed up day one because most people don’t get to do that, I went through the levels of this business, honing my skills and strengthening my work ethic just like I would have at any of the big banks. After I learned the basics I began to process which I started doing in early 2015 and I continue to do it to this day, but as of March I am a licensed MLO. That may make me seem very new but because we are a small business, but I was involved in every step of the files I worked from the time I began processing so I do have years under my belt and a strong understanding of what goes into getting someone a mortgage.
I came in to this field not knowing much at all about what it entailed, but in the few years I have been doing this I have learned a wealth of knowledge and developed a great passion for what I do. After 20 years of planning I dove head first into the mortgage business and found out what I wanted to be when I grew up. I love what I do, and I take an immense amount of pride in the fact that I get to help people. The steps to homeownership are long and sometimes very stressful but I make sure each of my clients whether I am the processor or originator, knows that I am there every step of the way and I will always have their best interest in mind. We are a family owned and operated company, so we don’t have that big business feel, we treat our clients with a different level of respect and care, we get on the phone well after banker’s hours to make sure things are getting done or that questions have been answered because we must work hard for what we get.
I am newly married to my amazing, smart, and loving wife Amanda, a new homeowner, and living in that house which is ran by her and our three dogs. I am coming up on 25 which means I am still a young man but I promise at heart I am 85 years old, ask anyone around me. My happiest times are at home with Amanda and our dogs just taking it easy, or out on the water (salt, fresh, chlorinated, doesn’t matter). I like a laid-back lifestyle in my downtime, on the clock I am a totally different person, things need to be moving and I have to be busy. If I have a slow day I don’t know what to do with myself. That is how I was raised, I come from a family that works hard, and plays harder. You give it all you have when you’re on the clock and then you enjoy your well-deserved time off and this business give me the ability to do both.
That’s just a little about me and our company, I hope that if you ever need us you won’t hesitate to give us a call. We are honored and blessed to be able to serve the people of Virginia on their path to homeownership.
As a mortgage sales analyst, Bruce’s main areas of focus have been consulting in the financial mortgage/banking arena, residential real estate, commercial loan markets, loss mitigation and due diligence. Prior positions were working with directly with Freddie Mac as a Senior Underwriting Compliance Project Manager/Consultant, Lenders Asset Management Company, an REO company, as Senior Vice President and Merrill Lynch. As Vice President for Merrill Lynch, he worked regionally throughout the United States in cities such as Baltimore, MD, Salt Lake City, UT and a 500 million dollar operations hub in the Central Valley of California. Prior to joining ACM, Bruce also held senior and executive management positions at Interbay Funding, managing the entire sales operations for the western half of the United States. In addition, he was the Founder of Sales Strategies, a consulting firm specializing with FHA Mortgage Brokers to enhance and develop strategic sales & operational effectiveness.