• Bay Capital Mortgage slide #1

The Perfect home is waiting for yoU

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First time home buyer

grant programs available

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VA Loan

no down payment required

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reverse mortgage

you can buy a home W/ A REVERSE MORTGAGE

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About Bill

Bill began his Mortgage Banking career in 1996 after closing a lucrative construction company. He now enjoys spendin quality time with his wife Avril and their two boys. Bill also enjoys serving monthly at the local Homeless Shelter where he participates in cooking and serving the residents there.

Bill is consistently in the top 1% of loan originators at Bay Capital Mortgage for purchase transaction loans. Closing over 3000 loans and funding close to one billion in loans over his career, Bill and his staff have over seventy years of combined mortgage banking experience to help guide you through mortgage process.  

Bill and his staff take a professional, structured, and detailed approach to lending. Their single mission is for their clients to never look for another lender again. They believe this philosophy is the only approach they can take in this chaotic lending environment to ensure 100% client satisfaction.


One integral aspect to the success of Bill’s career has been his emphasis on creating honest and lasting relationships. Weekly updates, quick response times, knowledgeable answers and clear communication are the cornerstone of Bill’s dedication to supplying the best possible professional relationships. Instead of viewing it as an option, going the extra mile is always seen as a necessity to Bill and his staff. They would be honored to have the opportunity to help you with the financing of your next home. Contact Bill today to get started.   


Special Home Loan Program for College Graduates

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Recent Articles

May
01
2024
Why You Need a Real Estate Agent When Buying a Home
In today's digital world, buying just about anything is as simple as a few clicks. But when it comes to buying a home, the most significant purchase you'll likely ever make, it's a whole different ballgame. The process is complicated, the stakes are high, and the risks are too big to ignore...
Apr
24
2024
Demystifying Home Loans: The Scoop on Conventional and Non-Conforming Loans
When it comes to buying a home, understanding your mortgage options can feel like learning a new language. Let's break down the essentials of "conventional" and "non-conforming" loans and see how they fit into your home-buying plan. What's a Conventional Loan? Imagine you're...
Apr
17
2024
Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?
Many potential homebuyers find themselves facing a common conundrum: should they wait for mortgage rates to drop, or take the plunge and buy now? While it may seem prudent to hold off on a purchase in hopes of securing a lower rate, there are several compelling reasons why waiting may not...
Apr
10
2024
Balancing Act: The Art of Compromise in Home Buying
When it comes to buying a home, it's often said that it's all about location, location, location. However, compromises are sometimes necessary in the quest for the perfect home. While it's natural to want everything on your wish list, being flexible can open up new possibilities and help...