About Bill Mott
With over two decades of experience in the mortgage industry, Bill Mott stands as one of the esteemed founding partners of Certainty Home Lending's San Luis Obispo Branch. His deep-rooted connection to San Luis Obispo has made him a trusted and dedicated professional in the field. Bill's unique blend of expertise and local knowledge allows him to tailor loans that perfectly suit each buyer's unique needs. Bill's journey started in the heart of San Luis Obispo, where he was born and raised. He pursued his education at Santa Clara University, majoring in marketing at the prestigious Leavey School of Business. Not only a scholar, but Bill also excelled as an athlete and was recognized when he was drafted to play professional baseball. After his baseball career, Bill transitioned into the mortgage industry, beginning his journey as a loan officer with a builder-owned mortgage company, William Lyon Homes. His dedication and commitment to his work were quickly evident, and he went on to join the national builder division of a prestigious national bank. For the past 15 years, Bill has consistently led some of the highest-producing branches in the county, earning the trust and respect of both his clients and peers. Bill's roots in San Luis Obispo run deep, as his family has been a part of this community for more than 80 years. Today, he continues to call San Luis Obispo home, residing there with his loving wife, Erin, and their two sons, Brayden (18) and Colton (15). Bill Mott's passion for helping individuals secure their dream homes and his intimate knowledge of the San Luis Obispo community make him a trusted advisor in the world of mortgages. His dedication to providing personalized solutions and his strong ties to the local community set him apart as a reliable partner for anyone navigating the real estate market.
We can make it happen!
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Conventional loans
Conventional loans come in a variety of options and with excellent advantages for qualified applicants.
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Reverse Mortgages
A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 0.00
*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Certainty Home Lending cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Certainty Home Lending for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Certainty Home Lending does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Certainty Home Lending. Certainty Home Lending its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 895 Pismo Street, San Luis Obispo CA, 93401