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 Lanham, MD
    (5 of 5)
    Recommended!
    Reviewed:

    GREAT SERVICE

    Bill gave great service, attention to detail and was awesome from the beginning of the process until the end. Very professional and easy to work with. The entire process with Bill was painless.

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

    Amazingly fast service!

    Bob was the fastest I've seen. He was the first to respond of any of the companies and within a matter of 2 days the loan application and review process was complete. My loan was closed in a matter of 3 weeks with no issues as Bill always kept me informed. I'd highly recommend Bill and CBC for your loan needs!

  • Loan Officer Review
    from Simsbury, CT
    (5 of 5)
    Recommended!
    Reviewed:

    Our best mortgage experience ever

    When I filled out information to explore mortgage options at Lending Tree, I received numerous phone calls and emails. Bill Brown acknowledged the volume of responses in his first phone call and simply requested the opportunity to tell us how he works and what he can do. There is a lot of competition but we wanted to work with someone who took the time to listen, learn and help with our specific needs. Bill Brown was that individual - from start to finish. Over the years, we have purchase 7 or 8 homes with associated mortgages. With Bill Brown's help, this was the best mortgage experience we have every had. Absolutely appreciate and highly recommend Bill Brown to help with your mortgage needs... Read More

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

    Bill Brown Gentleman!

    Bill did a incredible job, he has a professionalism that excudes confidence for his clients. I would highly recommend Bill...

  • Loan Officer Review
    from Harleysville, PA
    (5 of 5)
    Recommended!
    Reviewed:

    Bill is a 5 star loan officer

    Bill is awesome. We were refinancing our existing mortgage. Bill was the only person who went outside the box to provide us with the best rate available. Bill presented us with several options and worked closely with us throughout the process. Bill's response time was excellent regardless if our questions were in the evening or weekend. I highly recommend Bill for anyone looking to refinance their existing mortgage. Bill is 5 stars in my book.... Read More

  • Loan Officer Review
    from Goshen, IN
    (5 of 5)
    Recommended!
    Reviewed:

    Best of the Best

    Fantastic service! Bill is awesome. This was our first home purchase. He took care of everything and made the process so much better than I imagined. We will definitely use Bill for all our mortgage needs in the future.

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

    Excellent Service

    Great guy, caring, prompt and very helpful.

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

    Never Broke His Word

    Our experience could not have been any better. Bill Brown and his staff are professional and patient. They answered all our questions, gently encouraged us when the paperwork seemed endless, and never once broke his word. We were skeptical about the entire online process to be begin with, but Bill and his staff were prayers answered when dealing with an online world. ... Read More

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

    Bill is your man if you want to refinance

    Bill was wonderful to work with throughout the process, he is professional and very responsive!

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

    Delivered as promised

    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.

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!