Bruce Nangle

Loan Officer, NMLS# 267122 Guaranteed Rate Affinity
I have been a mortgage consultant for the last 25 years and I have been lending with First Capital in the Studio City area for the last 16. Today’s lending environment has changed dramatically and it is much tougher today to get a loan than it has been in the past. This is why it is so important to work with a professional mortgage consultant. Each lender has subtle to dramatic differences from each other. In the past , it was so easy to get a loan that you just shopped the rate, but today you need to shop the mortgage professional. I invite you to give me a call, and let’s talk about your mortgage needs.

RMR Financial, LLC d/b/a First Capital, 16780 Lark Avenue, Los Gatos, CA 95032. NMLS ID #49456 ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. This is not a commitment to lend. Equal Housing Lender.


Sep 13, 2017
VP Operations
Bruce is an amazing loan broker! He gets things done, is very knowledgable, makes things happen, and delivers results. No matter what challenges we experienced through the loan process, Bruce came up with solutions and made sure the loan went through. My husband and I are grateful and highly recommend Bruce!
Aug 22, 2017
home buyer
Bruce is very professional and did a great job for me.
Jul 20, 2017
Working with Bruce ended up being the best decision for me when buying my latest home. From the start, the communication was excellent, and his knowledge of the mortgage game was very helpful. I had used Bruce as a back-up lender as I thought I had a better deal with Quicken. However, when the communication broke down, and promises were broken with the Quicken people, Bruce came through with a fair deal, and he got it done quickly. I would certainly suggest to home shoppers to be wary of a deal that might look a little bit better on paper. The honesty, knowledge, and ambition I received from Bruce made the process of obtaining a loan very straightforward. I only wish I did not waste my time and energy on Quicken Loans.
Jun 26, 2017
Program Manager

Thank you for all your efforts with getting me and my husband our first mortgage. We had a few challenging situations pop up unexpectedly concerning our taxes and credit scores, and you helped us navigate through to success. I especially appreciated your extra research into complicated matters and providing us with good mortgage options that made the entire prospect of owning a home feasible.

Dorota & Scott

Jun 21, 2017
Operations Manager
Can't say enough great things about Bruce Nangle. He went above and beyond to make sure our home buying process went thru as smooth as possible. There was constant communication and follow ups. He kept us updated and was always available for any questions or concerns. With today's loan approval process, it could get a little crazy at time, but Bruce was extremely knowledgeable always on it making sure we got everything taken care of. Thank you, Bruce!
May 28, 2017
I was fortunate to recently purchase a new condo and through using First Capital, I met and worked with Bruce. Both Bruce and his assistant Jesse took me through every step of the process easily and productively. They were incredibly knowledgeable and extremely helpful in getting through the process as painlessly as possible. At times, both Bruce and Jesse went, what I would consider, beyond the call of duty to help me. Be it contacting and making arrangements with third parties, even going out of their way to pick up documentation that was really my responsibility. Although I am somewhat of a novice when it comes to purchasing property (my ex-wife was the brains of the family), Bruce never made me feel ignorant or un-knowledgeable and explained everything in a calm and easy to understand fashion. Most importantly, Bruce was a true professional in every sense. Returning calls quickly, keeping me posted with each step, making all of the arrangements, etc. All in a calming and low-key fashion. There is no one that I will ever use besides Bruce, should I decide to purchase another piece of property. Thanks Bruce!!!!
May 24, 2017
Bruce Nangle represented me in my recent real estate purchase. Bruce guided me through the whole process, from loan pre-qualification to searching for houses, constantly updating my pre-approval. Bruce was very thorough, fast, and was always there to answer questions, even in person at his office on the short notice. The whole process was pain free, I was pleased to have someone as professional as Bruce, and will recommend him to anyone
Vitaly Shafirov
May 10, 2017
Patient Relation Advocate
Bruce made my dream come true! Bruce worked non-stop on getting my loan approved but more than anything he took the task to go beyond the line of duty to help me get all the documents I needed to process the loan. Bruce you are so professional and with your tone of voice and patience it seemed a lot easier for me not to get overwhelm. Jesse and Bruce are the perfect team.
Thanks again.
I would highly recommend Bruce, look no further, he is the guy to make it happen.
Apr 22, 2017
Bruce helped us with the mortgage on our condo and subsequently on our first home. Our loans were complicated, but Bruce patiently helped us work through it. He is accesible and kind. We are so greatfull to Bruce and his staff. Thank God we are now living in our new home!!
Apr 21, 2017
Deputy District Attorney Residential Buyer
Bruce worked tirelessly to help me obtain the necessary loans for my home purchase. He overcame numerous obstacles by using his substantial associate network and business acumen. If not for his expertise I would not have been able to close escrow in a timely manner. I would highly recommend Bruce to take on any lending challenges that you may encounter.
Mar 8, 2017
Rental manager
Bruce is very talented and professional in his job and he and his powerful Tim were very help full for my loan when I had difficulties . This is my pleaser that my friend Petros introduce him to me. Thanks
Jan 2, 2017
Bruce has been my "go to" lender for all the 18 years I've been a Realtor and I have never once been disappointed in his work. He is kind and patient, knowledgeable and fair and, best of all, I can count on him to close my deals. He is honest and, if he feels he can't find the best deal for my clients, he will even refer them to someone who can. (It's rare, but it has happened.) I never have to worry when Bruce is on the job. He is absolutely the BEST!
Dec 9, 2016
Very very good - professional and his staff went way overboard to help me during this difficult time - Jesse in Particular. Very rare to see a professional of Bruce's knowledge, character and follow-thru nowadays. 10 out pf 10 rating from me...
Dec 7, 2016
Bruce made the mortgage process as smooth as possible. He got us a large loan quickly, with a great rate, and was very patient and reassuring along the way. I highly recommend working with Bruce and his team.
Oct 10, 2016
We thoroughly enjoyed working with Bruce Nangle and his team, and came to know him as a truly honest, dependable mortgage consultant.

His knowledge of lending and expertise in mortgage loans was a huge advantage to us. He put his skills set to work in order for us to qualify for a loan.

Without a doubt, we will confidently recommend Bruce as a dedicated and knowledgeable consultant and an all-around great person. We will be referring and recommending Bruce to all our family and friends who are looking to get a mortgage loan.

Best wishes,
B & C Ekmekchian
Sep 30, 2016
Customer of First Capital
We would recommend Bruce and his team to anyone. He handles all of our loans. His team makes the process as easy as possible. We have done 6 or more loans with his team. They are the best.
Aug 26, 2016
Small Business Owner
Excellent service! I am very happy with how Bruce handle my case. It was a pleasure working with him, Great attitude, wonderful personality, and more than anything very honest. I've tried other mortgage consultants and they made things too complicated! with him, I always knew what I was doing thanks to his knowledge. I will always consider coming back to him and I highly recommend him to all my friends family.
Aug 4, 2016
Bruce was wonderful to work with. He was always available and always happy to chat on the phone in case I had any questions. I was a first-time buyer and he was able to break it all down into manageable chunks and make the process smooth and thorough. He got me a great percentage rate and I am very happy with how everything turned out.
Jun 13, 2016
I always go to Bruce for my financing needs. This is the second time I used him, and I would never think to use anyone else. Bruce has excellent communication skills and is always available to help me with my needs. Thank you Bruce for all your hard work and all that you continue to do.
Jun 13, 2016
Bruce did an amazing job helping my wife and I successfully navigate the process of receiving a loan for our new house. Whenever I had any questions for Bruce, he would respond very quickly. Even when I called him multiple times in the same day, he made himself very available to us and he was always incredibly friendly and professional. In addition, my wife and I had a lot of questions regarding the documents we had to sign and Bruce gave an entire afternoon of his time to sit down with us, explain each document to us , and inform us of our options including the pros and cons of impounding our taxes and insurance. My wife and I feel very fortunate to have worked with Bruce.
Jun 3, 2016
Executive Director, Digital Media
this is the second time I work with Bruce. This time - understandably - the process was even faster and smoother than the first time and Bruce was even more helpful since this was a refinancing decision, so more variable went into the decision. Bruce did not just stop at facilitating the loan process, but played a critically important role of personal financial advisor that resulted in a more confident and aware decision making process. Thanks Bruce!
May 11, 2016
Thank you Bruce and Jesse for helping me navigate through a frustrating six month odyssey. Your patience and persistence were very much appreciated.

May 6, 2016
Dear Bruce,

I'd like to say thank you for helping us with the loan on our new home. The process was painless Michael and I were extremely comfortable throughout the entire experience. You took the extra time to help us understand each step and happily answered all of our questions and phone calls. Your positive and realistic attitude towards our mortgage was tremendous and appreciated. Michael and I felt confident we were in the best possible hands. Bruce you made sure that we met all of our deadlines and closed escrow on time. It’s not as easy to obtain a mortgage as it once was. The process is tedious and extremely meticulous. We never felt overwhelmed. Looking back at our experience we never felt like a faceless loan applicants. I can’t thank you enough for everything.
If anybody we know will ever need a loan it will be my pleasure to recommend your services.

Katrina & Michael

Apr 25, 2016
Rental Property Owner
Bruce and his team recently helped me refinance an investment property, which went very smoothly. Bruce was great to work with and professional, responsive, and helpful each step of the way. He tried to make everything as simple as possible, completing documents and sending information electronically, yet available via phone at any time. I would happily work with Bruce again and recommend him to others.
Apr 25, 2016
Director of Awesome
Bruce was fantastic from beginning to end. Very patient and diligent with all of our detailed questions, he took care of all of our needs and ensured we got the best possible rate for our refinance. Highly recommend.

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