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 North Chelmsford, MA
    (5 of 5)
    Recommended!
    Reviewed:

    Happy customer

    (1) (0)

    Bill was great to work with always available for my many questions.

  • Loan Officer Review
    from Brooklyn, NY
    (5 of 5)
    Recommended!
    Reviewed:

    Blessing in Disguise

    (1) (0)

    Bill was a blessing in disguise, especially being a 1st time home buyer. Right away I was impressed with his professional but personal service. He clearly explained every single question I had and the entire process step by step. He was easy to reach either by phone or email and even on weekends. I gained a excellent understanding of the whole process and it helped me get through it with ease... Read More

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

    Refinancing Expertise

    (1) (0)

    I was able to communicate with Bill Brown in a timely manner using email. Bill knew the answers to my questions. He helped me accomplish my goal of refinancing with relatively low closing costs. He provided guidance regarding making purchases during the refinancing process and let me know when it was appropriate to make a major purchase after the closing.

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

    Great working with Bill

    (1) (0)

    It was a pleasure working with Bill. As a first time homebuyer, I wasn't too sure what to expect, but Bill made the process incredibly simple. He replied to all my emails very quickly, and was fine communicating in whatever form I needed since I was busy with work. We closed extremely quickly. Thank you!

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

    True Loan Professional

    (1) (0)

    Bill was courteous , prompt and professional. He answered all our questions in great detail and gave us valuable insights on choosing the loan that best suited our needs. He kept us informed and updated through every step up to closing. Excellent customer service.

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

    Bill is amazing!

    (1) (0)

    Bill Brown was amazing in all aspects! He was available at all times and answered all of my questions and did not mind explaining everything to me. I would recommend Bill to all of my friends and family. He definitely made the process of buying a home less stressful!

  • Loan Officer Review
    from Baton Rouge, LA
    (5 of 5)
    Recommended!
    Reviewed:

    You Get Professional Excellence With Bill

    (1) (0)

    Simply put, Bill's brilliant! His natural aptitude for numbers inspires confidence with prospective homeowners during a process that can be quite stressful. With Bill, you can trust that you are getting the best rate available to you! With quiet calm, he guides you step by step through the process making it as painless as possible. No frills, no pressure, just superb service in the most expedient manner to get the job done! If you're going to do it... YOU WANT BILL! ... Read More

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

    Bill saved my home

    (1) (0)

    I was going through a divorce and was ordered to pay equity from the home. I have good credit, but, am self employed. I was worried that would be an issue. Bill got me the loan that I needed at a lower rate than I had. He was able to get the equity I needed to save the home I live. Thanks, Bill!

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

    Loan Officer Bill Brown

    (1) (0)

    Bill helped me refinance my house. Thanks to Bill I skipped a payment, lowered my mortgage payment by over $100 and I paid off my credit cards. With his expert advice I am now able to better manage my bills. He truly was a blessing! I am happy to refer friends and family to Bill and I enjoy sharing all the good things he did for 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!