• Bay Capital Mortgage slide #1

The Perfect home is waiting for yoU

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First time home buyer

grant programs available

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VA Loan

no down payment required

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reverse mortgage

you can buy a home W/ A REVERSE MORTGAGE

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About Bill

Bill began his Mortgage Banking career in 1996 after closing a lucrative construction company. He now enjoys spendin quality time with his wife Avril and their two boys. Bill also enjoys serving monthly at the local Homeless Shelter where he participates in cooking and serving the residents there.

Bill is consistently in the top 1% of loan originators at Bay Capital Mortgage for purchase transaction loans. Closing over 3000 loans and funding close to one billion in loans over his career, Bill and his staff have over seventy years of combined mortgage banking experience to help guide you through mortgage process.  

Bill and his staff take a professional, structured, and detailed approach to lending. Their single mission is for their clients to never look for another lender again. They believe this philosophy is the only approach they can take in this chaotic lending environment to ensure 100% client satisfaction.


One integral aspect to the success of Bill’s career has been his emphasis on creating honest and lasting relationships. Weekly updates, quick response times, knowledgeable answers and clear communication are the cornerstone of Bill’s dedication to supplying the best possible professional relationships. Instead of viewing it as an option, going the extra mile is always seen as a necessity to Bill and his staff. They would be honored to have the opportunity to help you with the financing of your next home. Contact Bill today to get started.   


Special Home Loan Program for College Graduates

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Recent Articles

Jul
17
2024
Navigating Refinance Appraisals with Confidence
Refinancing your mortgage is an exciting step toward better financial health. But before you can bask in the benefits of a new loan, there's one crucial hurdle: the home appraisal. Don't worry, though—we've got you covered with everything you need to know to ace this part of the...
Jul
10
2024
Tax Deductibility of Home Equity Loans in 2024
Home equity loans have long been a popular financing option for homeowners looking to tap into the value of their homes. One of the major advantages of these loans is the potential for tax-deductible interest. However, the deductibility of home equity loan interest is subject to certain...
Jul
03
2024
Is Your Dream Neighborhood in a Buyer's Market? Here's How to Find Out
Deciding to buy a home goes beyond just finding the ideal location—it's about understanding how specific neighborhoods can differ from national trends when it comes to timing your investment If you're wondering whether your desired neighborhood is in a buyer's market,...
Jun
26
2024
Understanding Your FICO Score: Key to Better Home Loan Rates
Have you ever wondered what that mysterious number, your FICO score, is all about? If so, you're not alone. A lot of people hear about it but don't fully understand how it works or why it matters. Let's break it down in simple terms. What Exactly Is a FICO Score? Your FICO score is a three-digit...