Billy Watkins — Senior Licensed Mortgage Broker

EXPERT GUIDANCE. PROVEN RESULTS.

Licensed Senior Mortgage Broker

Residential and Commercial Real Estate buying with Dedicated Mortgage Advice and Guidance

#MortgageSmart

Expert financing for residential & commercial real estate, first-time buyers, and refinancing

By Billy Watkins — Senior Licensed Mortgage Broker & US Navy Veteran

  • 20+ years in finance
  • Responsive & transparent
  • Fast, organized closings
Billy Watkins Mortgage logo with website

About Billy Watkins

Guidance, clarity, and service you can trust

With two decades in finance, I focus on clarity first—understanding your entire financial picture before recommending a loan. Expect proactive communication, organized milestones, and real timelines.

My background spans residential lending, income tax planning, audit, data analysis, and fraud & forensic consulting. That blend of disciplines helps anticipate challenges before they impact your file.

⭐ Dedicated Mortgage Guidance
🎖 US Navy Veteran
NMLS #384700
Modern home exterior

Mortgage Programs

Explore our comprehensive selection of home loan programs designed for every borrower type. From first-time homebuyer programs with low down payments to investment property loans and commercial real estate financing, we offer competitive rates, flexible terms, and expert guidance. Whether you need FHA loans, VA home loans, jumbo financing, or specialized programs for self-employed borrowers, find your perfect mortgage solution below.

REAL-TIME CLIENT FEEDBACK

See what recent clients are saying about their experience.

Billy was amazing in every step of my home loan. Not only did he get me the best rate ever (even my realtor was impressed and said it was the lowest she had heard of at the time!), but he was also incredibly helpful—always patient, kind, and willing to walk me through the process. I couldn't be happier with the service and the outcome.

HELENA DEBIAZI ZOMER
Gainesville, FL

Buying my first home in Kansas city Missouri felt like a lot at first, but working with Billy Watkins an experienced mortgage broker made the entire process way easier than I expected. I used an FHA loan, and honestly had no idea where to start, but Billy took care of everything, explaining each step clearly. He was always available to answer my questions, which gave me a lot of confidence. Highly recommend!

Ryan Turnbull
Blue Springs, MO

FAST, FAST and FAST! I closed on my VA Refinance with Billy Watkins of Columbia Missouri in only 12 days. And talk about "building trust" - Billy was extremely knowledgeable about mortgages in general and my VA Streamline loan in particular. He was also very communicative every step of the way, which was a huge relief. I couldn't be happier.

Steven D
Portland, OR

Billy Watkins has worked with me on two separate occasions both of which were complicated situations and because of his knowledge, expertise, and experience he was successful securing loans for me. He knows how to be creative and think outside the box. He works hard to find avenues and methods to get the job done. I highly recommend him.

Colette
Doylestown, PA

Billy was the best Mortgage Broker that I have ever worked with. He is very professional, knowledgeable, trustworthy, and an expert in his field. He is very easy to work with and answered all my questions that I had regarding the different types of loans and recommended the type of loan that would be best for me. I highly recommend him.

Sharon D
Antioch, CA

Billy was upfront with the market and options, realistic about available options for my situation, and top notch communication every step of the way. It was my third home loan and by far the easiest so far.

Anthony Overturf II
Apison, TN

Billy, Was very friendly & helpful in getting my VA loan down by approximately 2%. He was responsive to any questions. & was able to coordinate a virtual closing due to me being outside the US

hawgleg384
Fayetteville, TN

Billy did an amazing job on mine and my wife's home financing. He was communicative, friendly, professional, and strategic. I recommend him to anyone looking for home financing

jstutts5
Fayette, AL

Billy is very knowledgeable and willing to educate you on all matters related to loans. He patiently explained (sometimes multiple times) different aspects of my loan, which made me more comfortable moving forward. I highly recommend his services!

Amber Wilcoxson
Smyrna, GA

I was buying my first house. I had so many questions and doubts about the process of getting a mortgage. Billy was absolutely amazing, friendly and very professional. I did not have any issue working with him and his team at all. All necessary information I wanted was professionally addressed and he was always available to answer my questions. I highly recommend him.

Ronald
Gainesville, FL

Billy was amazing in every step of my home loan. Not only did he get me the best rate ever (even my realtor was impressed and said it was the lowest she had heard of at the time!), but he was also incredibly helpful—always patient, kind, and willing to walk me through the process. I couldn't be happier with the service and the outcome.

HELENA DEBIAZI ZOMER
Gainesville, FL

Buying my first home in Kansas city Missouri felt like a lot at first, but working with Billy Watkins an experienced mortgage broker made the entire process way easier than I expected. I used an FHA loan, and honestly had no idea where to start, but Billy took care of everything, explaining each step clearly. He was always available to answer my questions, which gave me a lot of confidence. Highly recommend!

Ryan Turnbull
Blue Springs, MO

FAST, FAST and FAST! I closed on my VA Refinance with Billy Watkins of Columbia Missouri in only 12 days. And talk about "building trust" - Billy was extremely knowledgeable about mortgages in general and my VA Streamline loan in particular. He was also very communicative every step of the way, which was a huge relief. I couldn't be happier.

Steven D
Portland, OR

Billy Watkins has worked with me on two separate occasions both of which were complicated situations and because of his knowledge, expertise, and experience he was successful securing loans for me. He knows how to be creative and think outside the box. He works hard to find avenues and methods to get the job done. I highly recommend him.

Colette
Doylestown, PA

Billy was the best Mortgage Broker that I have ever worked with. He is very professional, knowledgeable, trustworthy, and an expert in his field. He is very easy to work with and answered all my questions that I had regarding the different types of loans and recommended the type of loan that would be best for me. I highly recommend him.

Sharon D
Antioch, CA

Billy was upfront with the market and options, realistic about available options for my situation, and top notch communication every step of the way. It was my third home loan and by far the easiest so far.

Anthony Overturf II
Apison, TN

Billy, Was very friendly & helpful in getting my VA loan down by approximately 2%. He was responsive to any questions. & was able to coordinate a virtual closing due to me being outside the US

hawgleg384
Fayetteville, TN

Billy did an amazing job on mine and my wife's home financing. He was communicative, friendly, professional, and strategic. I recommend him to anyone looking for home financing

jstutts5
Fayette, AL

Billy is very knowledgeable and willing to educate you on all matters related to loans. He patiently explained (sometimes multiple times) different aspects of my loan, which made me more comfortable moving forward. I highly recommend his services!

Amber Wilcoxson
Smyrna, GA

I was buying my first house. I had so many questions and doubts about the process of getting a mortgage. Billy was absolutely amazing, friendly and very professional. I did not have any issue working with him and his team at all. All necessary information I wanted was professionally addressed and he was always available to answer my questions. I highly recommend him.

Ronald
Gainesville, FL

Billy was amazing in every step of my home loan. Not only did he get me the best rate ever (even my realtor was impressed and said it was the lowest she had heard of at the time!), but he was also incredibly helpful—always patient, kind, and willing to walk me through the process. I couldn't be happier with the service and the outcome.

HELENA DEBIAZI ZOMER
Gainesville, FL

Buying my first home in Kansas city Missouri felt like a lot at first, but working with Billy Watkins an experienced mortgage broker made the entire process way easier than I expected. I used an FHA loan, and honestly had no idea where to start, but Billy took care of everything, explaining each step clearly. He was always available to answer my questions, which gave me a lot of confidence. Highly recommend!

Ryan Turnbull
Blue Springs, MO

FAST, FAST and FAST! I closed on my VA Refinance with Billy Watkins of Columbia Missouri in only 12 days. And talk about "building trust" - Billy was extremely knowledgeable about mortgages in general and my VA Streamline loan in particular. He was also very communicative every step of the way, which was a huge relief. I couldn't be happier.

Steven D
Portland, OR

Billy Watkins has worked with me on two separate occasions both of which were complicated situations and because of his knowledge, expertise, and experience he was successful securing loans for me. He knows how to be creative and think outside the box. He works hard to find avenues and methods to get the job done. I highly recommend him.

Colette
Doylestown, PA

Billy was the best Mortgage Broker that I have ever worked with. He is very professional, knowledgeable, trustworthy, and an expert in his field. He is very easy to work with and answered all my questions that I had regarding the different types of loans and recommended the type of loan that would be best for me. I highly recommend him.

Sharon D
Antioch, CA

Billy was upfront with the market and options, realistic about available options for my situation, and top notch communication every step of the way. It was my third home loan and by far the easiest so far.

Anthony Overturf II
Apison, TN

Billy, Was very friendly & helpful in getting my VA loan down by approximately 2%. He was responsive to any questions. & was able to coordinate a virtual closing due to me being outside the US

hawgleg384
Fayetteville, TN

Billy did an amazing job on mine and my wife's home financing. He was communicative, friendly, professional, and strategic. I recommend him to anyone looking for home financing

jstutts5
Fayette, AL

Billy is very knowledgeable and willing to educate you on all matters related to loans. He patiently explained (sometimes multiple times) different aspects of my loan, which made me more comfortable moving forward. I highly recommend his services!

Amber Wilcoxson
Smyrna, GA

I was buying my first house. I had so many questions and doubts about the process of getting a mortgage. Billy was absolutely amazing, friendly and very professional. I did not have any issue working with him and his team at all. All necessary information I wanted was professionally addressed and he was always available to answer my questions. I highly recommend him.

Ronald
Gainesville, FL
Quick Mortgage Calculator

Get a real-time payment estimate.

Estimated Monthly P&I

$2,022.62

Get Your Exact Rate

Rates change daily. Let's find your best option.

Palm trees against a blue sky

We Consider Our Clients to Be Our Most Valuable Asset.

The pillars in our brand mark represent our three core commitments to our clients.

Guide from Experience

With over 20 years in finance, I provide a level of expertise that financially benefits clients and is deeply respected by industry professionals nationwide.

Deliver Unparalleled Value

By choosing to be a boutique broker of loan products, our firm is in the best position to deliver optimal choice, aggressive rates, and personal service to every client.

Find Solutions So Every Client Wins

Here is what we say to challenges - "bring it on." We work tirelessly to close all loans, and we don't walk away when a client is up against tough circumstances.

See My Professional Profiles & Reviews

Transparency is key. Explore my profiles on trusted third-party platforms.

Google Reviews logo

Google Reviews

Verified reviews and business details on Google.

Experience.com logo

Experience.com

Read verified reviews from past clients on Experience.com.

Zillow logo

Zillow

See my profile and client reviews on the nation's leading real estate marketplace.

Frequently asked
questions

City skyline at night

Dont Miss the Next Mortgage Rate Drop

Join borrowers who rely on Billy for timely updates and guidance—our insights can save you money on your next loan.

Occasional emails. Unsubscribe anytime.

Pre‑approval clarity before you shop.

Funding your loan is the beginning, not the end.

Tap to Call Now