Loan Officer Profile
About MeWith 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
- Georgia and nationally
Recently Answered Questions
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.
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 Reviewpatricia from North Chelmsford, MARecommended!
Bill was great to work with always available for my many questions.Loan Officer ReviewAlice from Brooklyn, NYRecommended!
Blessing in Disguise
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 MoreLoan Officer ReviewConstance from Sarasota, FLRecommended!
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 ReviewJade from Smyrna, GARecommended!
Great working with Bill
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 ReviewMichael from Alpharetta, GARecommended!
True Loan Professional
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 Reviewkirsten from Goose Creek, SCRecommended!
Bill is amazing!
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 ReviewRebecca from Baton Rouge, LARecommended!
You Get Professional Excellence With Bill
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 MoreLoan Officer ReviewLance from Charleston, SCRecommended!
Bill saved my home
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 ReviewMitch from Columbia, SCRecommended!
Loan Officer Bill Brown
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!