Loans
Full-service, not VA-only
Bill writes VA, FHA, conventional, and first-time-buyer loans. Each one is a real option — the right question isn't which loan he's selling, it's which one actually fits you.
VA loans
Earned through military service, the VA loan is one of the strongest options available — often no down payment and no monthly mortgage insurance for eligible buyers, with terms built around service members.
FHA loans
Backed by the Federal Housing Administration, FHA loans allow lower down payments and are more flexible on credit — a common path for first-time buyers and anyone rebuilding.
Conventional loans
Not government-backed. A strong fit if you have solid credit and some down payment saved, with the flexibility to drop mortgage insurance once you've built enough equity.
First-time buyer
Never done this before? That's most of who Bill works with. He'll walk you through your options, down-payment programs, and exactly what to expect — from first conversation to close.
Not sure which one fits?
That's the whole point of talking to a person. Tell Bill your situation and he'll lay out your real options — no pressure, no obligation.
Loan applications are submitted and processed through Embrace Home Loans. No rates or terms are quoted here — those depend on your situation and get walked through with you directly.