Loan Officer Profile

Bill Brown

CBC National Bank

2450 Atlanta Hwy Suite 1103 Cumming, GA 30040
NMLS ID: 1460898
Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

With over 12 years in the mortgage industry, including several years as Branch President of Optimum Mortgage Group, you can count on me to assist you with all of your mortgage needs. Your complete satisfaction is my ultimate goal and I will work hard to exceed your expectations and provide a service level that will make us mortgage partners for life. Whether you are just shopping for information or ready to move forward, I am here to assist and guide you every step of the way. It will be fast, simple and easy!
  • Employed by: CBC National Bank since 2016
  • Licensed in:

Recently Answered Questions

Questions See All Answers
Refinance 2nd Mortgage
2

Bill's Answer

Second mortgages are often variable rate products. We prefer to ascertain what the customer is trying to accomplish and perform a free mortgage analysis to determine if a second mortgage makes the most sense. Often, in today's low interest rate environment, a second mortgage does not make the most sense for the customer.

Am i better refinancing my 30 to a 15 or just making additional principal payments
0

Bill's Answer

The answer to this question is… it depends. The difference in interest rate between the current and new mortgage is important. In almost every case, the mortgage balance is increased on a new mortgage due to pre-paid items and closing costs but significant savings are often realized with a lower rate and lower term, as long as the new higher payment is easily affordable. In this example, to calculate and compare costs, first determine the payment for a new 15 year mortgage. Then, using a financial calculator, solve for n (number of payments) if you begin to make that same payment toward your current mortgage with its current rate and balance. If that number is greater than 180, then it probably makes sense to refinance. Not to mention, you will likely skip a payment and receive a refund from your current escrow account when that loan is paid off by the new mortgage. Extra money for your pocket to sweeten the deal! Of course, I am happy to calculate these numbers for you!

Ratings & Reviews

  • Loan Officer Review
    from Miami, FL
    (5 of 5)
    Recommended!
    Reviewed:

    Delivered as promised

    (1) (0)

    I got exactly what I was looking for at a fair price. Bill was professional, courteous, knowledgable and responsive throughout the entire process. If you are shopping for a mortgage today do not hesitate to give this man a call! Highly recommended.

  • Loan Officer Review
    from Lawrenceville, GA
    (5 of 5)
    Recommended!
    Reviewed:

    Stellar performance and an all around awesome job!

    (1) (0)

    I cant speak highly enough of Bill Brown and the exceptional service that he provided during our recent home purchase experience. Bill was engaged throughout the entire process from seeking preapproval and continued to remain engaged well after closing. Bill was patient with us while we searched for a home and was surprisingly available & responsive to after hours email communications. This was tremendously helpful when he was able to deliver needed documentation so that we could submit an offer on a Sunday afternoon. After completing the initial process with Lending Tree, I was bombarded with offers for financing. Throughout the persistent noise of other offers, Bill & his team's ability to consistently answer questions and provide guidance made selecting a loan officer entirely too easy. Bill kept us well informed of progress and timelines, Bill's experiences ensured that there were no surprises along the way. Thank You Bill Brown for all your hard work, our family is very appreciative and love our new home and surroundings. ... Read More

  • Loan Officer Review
    from Goose Creek, SC
    (5 of 5)
    Recommended!
    Reviewed:

    Superior

    (1) (0)

    My first home purchase. Had no idea where to start. Thanks to Mr Brown, my whole experience was pretty effortless. Mr Brown made sure every aspect was covered and explained. I got a fantastic rate, Mr Brown knows his job well. I have recommended him to several people.

  • Loan Officer Review
    from Gaithersburg, MD
    (5 of 5)
    Recommended!
    Reviewed:

    Thank you Bill Brown

    (1) (0)

    Bill worked closely with me to ensure I closed on a refinance on my home. He made the process easy and he was very professional. I recommend Bill Brown!

  • Loan Officer Review
    from Valrico, FL
    (5 of 5)
    Recommended!
    Reviewed:

    Home refinance

    (1) (0)

    Bill was awesome to deal with and if I had to do it again. I would contact Bill

  • Loan Officer Review
    from Katy, TX
    (5 of 5)
    Recommended!
    Reviewed:

    Superb !!!

    (1) (0)

    Bill is wonderful...right from the beginning of contacting him it was almost like we were brothers. He listened and answered in ways that other loan people couldn't or wouldn't do.

  • Loan Officer Review
    from Buford, GA
    (5 of 5)
    Recommended!
    Reviewed:

    Bill Is Friendly and Professional

    (1) (0)

    It was a pleasure working with Bill. He explained the process in great detail and I felt very comfortable. He is friendly and professional. He saved me a lot of money with a lower interest rate and made the entire process seem very easy. I highly recommend you give Bill the chance to help you. You will not be disappointed. It didn't take long to realize he knows his job extremely well... Read More

  • Loan Officer Review
    from Salisbury, MD
    (5 of 5)
    Recommended!
    Reviewed:

    Knowledgeable and helpful

    (1) (0)

    Very helpful and very efficient through an often circuitous process. Recommend highly!

  • Loan Officer Review
    from Milton, MA
    (5 of 5)
    Recommended!
    Reviewed:

    Personable and easy to work with.

    (1) (0)

    I would absolutely recommend working with Bill. He made a somewhat daunting process quite easy and I was able to get everything that I needed out of the re-fi offer he was able to provide. He is personable, always very helpful and prompt in his responses. I was provided a clear and detailed list of what was needed at the start of the process and was able to close very quickly. He even worked with me on closing around the Thanksgiving holidays and some last minute work related travel plans. We had a small issue with the title company sending the check after closing, but Bill was on it and within a couple of days of notifying him of the issue, I had a replacement check in hand. Should I purchase another home, or have the need to re-fi in the future, I would be happy to work with Bill again.... Read More

  • Loan Officer Review
    from Acworth, GA
    (5 of 5)
    Recommended!
    Reviewed:

    MR. BILL BROWN

    (1) (0)

    Mr. Brown was great from begging to end in the whole process of my wife and I refinancing our house. hope to deal with him when we buy our next house.

With over 12 years in the mortgage industry, including several years as Branch President of Optimum Mortgage Group, you can count on me to assist you with all of your mortgage needs. Your complete satisfaction is my ultimate goal and I will work hard to exceed your expectations and provide a service level that will make us mortgage partners for life. Whether you are just shopping for information or ready to move forward, I am here to assist and guide you every step of the way. It will be fast, simple and easy!