Certified Reverse Mortgage Professional HECM for Purchase Specialist
Tampa, Florida 33614
Certified Reverse Mortgage Professional HECM for Purchase Specialist | NMLS# 506602
- Reverse Mortgages
- JUMBO Reverse Mortgages
- Reverse Mortgage for Purchase
- JUMBO for Purchase
- Reverse Mortgage Refinances
- Proprietary Reverse Mortgages
- The HECM Program
- The HECM for Purchase Program
- HECM to HECM Refinances
Chris Bruser is a Certified Reverse Mortgage Professional and one of the nation’s leading advocates for incorporating housing wealth in retirement income planning. Devoted to honest and transparent dialog, Chris serves as a trusted resource for those advisors demanding accurate and current housing wealth solutions for their clientele. He is a veteran HECM for Purchase(H4P) specialist who works with builders and realtors who are looking to capture incremental sales by educating their clients on the H4P program. Chris is the #1 producing H4P loan officer in the Southeast, whose main builder partner attributes almost 40% of his total sales to the H4P program.
Recently Chris’s work focuses on the implementation of research published by thought leaders Barry Sacks, J.D., Ph.D., Jack Guttentag, Ph.D., Professor Emeritus at the Wharton School, John Salter, Ph.D., CFP® , Harold Evensky, CFP®, Jamie Hopkins, Esq., CFP® , RICP and Wade Pfau, Ph.D., CFA.
These leaders have demonstrated that the conservative use of housing wealth mitigates volatility risk in retirement distributions.
For example, in 2012, The Journal of Financial Planning published two papers (Sacks, and Salter/Evensky) advocating that planners take a fresh look at housing wealth as an antidote to sequence of returns risk and reverse dollar cost averaging.
Chris works with financial institutions that are advising those in retirement, or about to retire. These include financial planners, attorneys, accountants, and wealth managers. Chris is adept at helping these advisers slow investment portfolio depletion with the prudent use of the housing asset.
As an instructor with the Retirement Resource Center, Chris has taught hundreds of financial advisors, real estate agents and institutions in sound retirement financing through the FHA-insured Home Equity Conversion Mortgage.
Chris serves on the Board of Directors of NAIFA-Tampa and is a 2019 graduate of the NAIFA Leadership in Life Institute (LILI). He is a member and Past President of the Financial Planning Association (FPA) of Tampa Bay, a member of the Greater Tampa Realtors and the South Tampa Chamber of Commerce. He has also achieved the designation of Certified Reverse Mortgage Professional (CRMP).
Chris resides on Davis island in Tampa but grew up in Cincinnati, OH and loves to play golf. He is married for 12 years to his wife, Laura a nurse practitioner at Tampa General. They have a 10 year- old son, Brantley who’s an avid sports fan playing baseball, hockey and golf.
Common Examples of What a HECM Can Help You Do
- Purchase a new home to fit your lifestyle needs
- Reduce monthly expenses by paying off existing mortgage
- Enhance your cash flow
- Create an emergency fund
- Fund for home repairs or upgrades
- Fund the expense for caregivers, live-in nurses, or other in-home care
- Protect your retirement portfolio
- Reduce monthly expenses by paying debt
- Incorporate housing wealth into your retirement plan
- Increase cash to help ensure monthly bills are paid
- Reduce the burden of out-of-pocket healthcare costs
- Have the cash for a large expense, such as a vacation or vehicle