About Bill Clince
As your trusted Guaranteed Rate Affinity Loan Officer with 28 years of experience , I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. I have access to multiple mortgage financing programs for all property types, including single & multi-family residences, townhomes, condos and new construction developments. I have access to just about every mortgage product on the market through Guarenteed Rate's correspondent and broker channels. This includes products for Agency conforming and high balance loan sizes, portfolio products for jumbo and super jumbo loan sizes, FHA, VA, renovation, construction to permanent and NON-QM products (alternative income). Many of these products allow for temporary and permanent rate buydowns. In addition to traditional mortgage products, I am frequently asked to make "mortgage magic" for nontraditional borrowers with out of the box scenarios. This includes Non-QM products, such as bank statement deposits, asset depletion and rental income, in lieu of traditional income for the self-employed, high net worth and investors. My core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors, wealth managers, and of course, my past clients. I understand that real estate transactions move quickly and is always just a text, email or phone call away. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. I am also a dedicated refi specialist that can help you capitalize on your home's equity to improve your current financial situation.
