1212 Marsh St, Suite 1
San Luis Obispo, CA 93401
Bill Mott
Sales Manager | Senior Loan Advisor
NMLS ID: 341086
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact meAbout Bill Mott
Bill Mott has been in the mortgage business for more than a decade and is one of the founders of the San Luis Obispo Branch of Opes Advisors, a Division of Flagstar. Bill helped his previous employer become one of the top mortgage banking branches in San Luis Obispo County.
Born and raised in San Luis Obispo, Bill attended Santa Clara University, majoring in Marketing at the Leavey School of Business. An All-American baseball player in college, Mott was drafted to play professionally by the Anaheim Angels. After baseball, Bill served as a Loan Advisor for a large, publicly-traded home builder with a branch in San Luis Obispo. He also worked for the builder division of a prestigious national bank. Locally, Bill has earned the trust of many of the top home builders, Realtors® and business professionals on the Central Coast.
The Mott Family has been involved in the San Luis Obispo community for more than 70 years.
Mortgage Specialization
- Condominium Financing
- Construction Loans
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Renovation Loans
- VA Government Loans
Languages Spoken
- English
Client Testimonials
Hear what my previous clients have to say about my work.
Eric L.
“Incredible team! Friendly, efficient, and knowledgeable. As first time home buyers, the journey was incredibly smooth every step of the way. One of the fastest response times of any business I’ve ever dealt with.”
Chuck B
“Buying a home can be a bit intimidating. We made a couple of great choices; waiting for the right home and bringing Bill in early. Help was always right there and the process was laid out for us. Thanks to Bill and his team. ”
Ritch P
“I couldn’t be more pleased with how professional Bill and his entire team were in processing our home loan. 1st class customer service and the emails outlining every step of the process were outstanding!”
Joyce C
“Bill was able to step in and assist me when I had problems completing a VA home loan. My mortgage application was completed with no delays in obtaining the property. The staff kept me informed of all procedures and were very easy to communicate with.”
Brooke S
“Closed in 21 days with a holiday in there! Amazing, always!”
Dean H
“Bill was always great about making himself available to help and answer questions. I found his advice and guidance throughout the process to be extremely valuable. His team was also very helpful, and their prompt/diligent follow-up avoided any issues.”
Megan S
“I knew you guys were great! It was good to find out you’re just as efficient with resale as you are with new home loans. Thank you for a smooth transaction!”
Mika P
“Working with Bill Mott and Team, was a great experience. They were efficient and knowledgeable making what could have been a very difficult transition much easier.”
Sandra B
“Everyone we worked with had our best interest in mind. Communication was great and the team made the process easy for us. Great experience! I have already recommended Bill Mott and his team to others, and will continue to do so.”
Byron and Kim P
“Professional in every possible way. Thank you for making this a smooth transition and calming my nerves at times. Excellent service, Thank You!”
Brian L
“Bill Mott and the team handled our mortgage process with ease. They respond to questions and concerns quickly and their communication about the process is very straightforward. I would definitely recommend them to family and friends.”
Kimberly P
“Bill and Mac were so helpful and so friendly when selling and buying! They both were incredibly responsive and I felt I could come to them with any question I may have had! If we ever buy/sell again, we will definitely be using them!”
David G
“Incredible customer service with a 21-day close! Bill Mott and his team were always available to answer questions, were extremely knowledgeable about the process, and provided very helpful advice. I would recommend them to everyone!”
Why Flagstar
Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
What to Expect
We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.
Please select your lending process
STEP 1
Pre-qualify & Gather Financials
Submit your financial information and we’ll give you a personalized estimate for your loan.
STEP 2
Pre-approval
Once you’re pre-approved, we’ll coordinate with the escrow or title company.1
STEP 3
Loan Review
Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.
STEP 4
Loan Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 5
Close & Receive Your Funds
We’ll close your loan and wire your funds into escrow so you can complete your home purchase.
1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.
STEP 1
Loan Application
Complete a loan application online, and submit the necessary financial documents.
STEP 2
Appraisal
We'll conduct an appraisal of your property to determine its current value.
STEP 3
Underwriting Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 4
Loan Signing & Funding
We'll close your loan and wire your funds into escrow so you can access your funds.
Financial Calculators
If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.
Bill Mott
Sales Manager | Senior Loan Advisor
NMLS ID: 341086
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact me1212 Marsh St, Suite 1
San Luis Obispo, CA 93401
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