I have worked in the mortgage business since 1998 when one of my teachers at Portland Bible College told me he was a part time loan officer. Since then I have worked for several mortgage brokers until the opportunity to open a branch office for NovaStar Home Mortgage was made available to me in 2003. I have been a branch manager since that time, responsible for as many as 15 loan originators at any given time.
My family and I recently transferred to Tennessee and I the branch manager for one of the countries fastest growing mortgage bankers. We are conveniently located about 1 -1/12 hours between the 3 major cities of East Tennessee; Knoxville, Nashville and Chattanooga.
My experiences in ministry, loan officer, branch manager has given me an exceptional base to work from to serve the needs of my clients. I like to think of myself as a "loan technician". After working on literally thousands of files I can analyze a situation; foresee potential issues that the underwriter may have with a loan and work to avoid, or resolve the problem beforehand. I have been very successful in this regard and have closed a number of loans that I do not think would have closed with many loan officers. Unfortunately, today that leads me to tell some that they cannot qualify for a loan program today, yet even then I can often prescribe plan to follow in order for them to qualify for the loan they want in as short of a time frame as possible.
The benefit of working with me goes beyond my expertise in getting loans closed. I am also very interested in creating "loyal fans" as opposed to satisfied customers. To accomplish this I will seek to engage you in the process from the very beginning. Taking the time to inform you of the process, step by step; making sure you are informed and comfortable with the direction we are headed.
I have learned that satisfied customers are pretty easy to get, don't lie to them or cheat them, while "raving fans" are harder to come by. For satisfied customers to become raving fans you must exceed their expectations, provide an experience that was less painful, more informative, and more comfortable than any other they have encountered. It is my goal to create a "raving fan" with every transaction. Raving fans cannot help but tell others about you, they want the people they care about to work with someone they know will do a good job and treat them as well as they were treated.
I am a man of faith and strive daily to live my life and conduct my affairs in a way that is pleasing to Jesus. While this often not a part of any conversations I have with my clients, and I would not be considered pushy by anyone, it does govern what I will and will not do.
I promise that if you give me the opportunity to earn your business, I will earn your loyalty.
I specialize in helping homebuyers use the home loans offered by FHA, VA and the USDA Rural Development to purchase their home with little or no down payment.
Having helped many with these programs through the years I am aware of the guidelines, but more importantly, the exceptions to those guidelines. We have been able to a number of homebuyers get approved even after they had been told no by another lender or bank.
|Hard to overstate how wonderful it was to work with Bill and his group. From the first contact Bill was very helpful in terms of his insights into the process. I was constantly kept in the loop with regard to where things stood. What I was most impressed with was Bill and his team's willingness to go "above and beyond" when things popped up. We had an issue regarding the start date of my new job which pushed the closing back. Bill took the initiative to contact my employer to ensure he knew the policies and also contacted my builder to explain to him exactly what the situation was. My builder even commented on how great it had been to work with Bill, even though they had never met. For what it's worth I am a professor at a large state university who teaches Services Marketing and will be using this experience in my classes as an example of an excellent customer service experience.
|Bill did an excellent job with my loan. He worked very hard to get everything closed on time. He did everything he agreed to and closed our loan on time. He often worked nights and weekends to be able to accomplish this.
|Bill is the most knowledgeable person I know when it comes to home mortgage. He assisted me on more than one occasion while purchasing my homes. Thanks to Bill I now have two homes and I would never have been able to do this without his experience and assistance. I highly recommend him to anyone who needs help from a lender with the purchase of a residence.
|Truly an amazing mortgage lender! Bill was helpful, courteous and was easy to work with. My husband owns his own business and I am a 100% commission salary and we thought we would never be able to get a home loan. Bill was able to get it done and help us get our first home. His whole team works in a timely fashion and were able to help and answer any questions we had. We would return to Bill anytime!
|Bill and his team are amazing! They were a pleasure to work with and very competent. Our expectations have certainly been exceeded. Looking forward to working with them in the future.
I specialize in helping home buyers find the best government loan program to help them buy their new home. | Equal Housing Lender