About Bill
As a fluent spanish-speaking professional, with more than three decades of experience. Bill has been a dedicated Mortgage Loan Originator since 1991. Over the course of his career, he has guided countless first-time homebuyers through one of the most significant milestones of their lives: achieving the American dream of homeownership. His deep industry knowledge, combined with a commitment to integrity and professionalism, has earned him the trust of clients, real estate partners, and families across the community.
Bill believes that transparency and clear communication are the cornerstones of a successful lending experience. From the initial consultation to the final closing, he prioritizes keeping his clients informed, confident, and comfortable at every stage of the process. This client-centered approach ensures that each transaction is handled efficiently, resulting in a smooth, timely, and seamless closing.
Whether you are purchasing your first home, refinancing, or exploring new loan options, Bill is committed to understanding your unique goals and providing the personalized service you deserve. His extensive experience, proactive guidance, and dedication to excellence make him a trusted partner for all your home financing needs.
If you are looking for a knowledgeable professional who will put your needs first and help you navigate today’s mortgage landscape with clarity and confidence, look no further. Bill looks forward to supporting you and delivering a level of service that exceeds expectations.
Licensed in NJ
Free guides from Bill
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Where to find Bill
Bill works out of our Tinton Falls, NJ – Murcia office. Branch NMLS #2300185.
What clients say about Bill
187 client reviews
Verified client reviews via Experience.com
Bill is always very thorough in everything he does and we loved that about him. Very trustworthy!
Bill was amazing throughout the process. He was highly responsive, understanding, and knowledgeable.
Bill was responsive, respectful, knowledgeable and overall a fantastic person to work with. As first time homebuyers my wife and I could not have asked for a better lender. We will be recommending Bill every chance we get.
Bill is great. He promises nothing he can’t deliver, keeps honest about expectations, is prompt, and most of all treats you like family.
Yes, specially with language Bill helps me to understand detailed everything any question he always available to give me an answer anytime .
Bill, Dannan, and Gerry worked very hard to get us this house! When we thought there wasn’t a way we could do it they crunched numbers so quickly and got everything to work! We owe them! Thank you so much!
It was a pleasure working with Bill. He was very responsive and explained everything. It was truly a great experience from beginning to end. I would recommend his service to others.
Bill was great, helping us close on our mortgage. He handled ever curve ball we threw at him, and we threw more than one. Bill is the man.
Great team that got the job done.
Bill Diaz made this process very easy for me and I would highly recommend him. As a first time home buyer I didn’t know much about getting a mortgage loan but he explained all of the steps and made it simple. Thank you Bill!
Mr.Diaz is a true professional he goes above and beyond need more people like Mr. Diaz in this field who care about there clients and not just the pay check.I will recommend him to everyone I know who is looking for a mortgage or to refinance
Bill was always available and willing to help with any questions my wife and I. He took a stressful process and was able to simplify it and make our lives easier
It was a pleasure to work with Mr. Bill Diaz from the starting of the end. He always made sure that my husband and I understood all the paperwork and he was always available when he needed us.
Bill Diaz was a phenomenal person to work with. He made this entire process feel smooth and thanks to him my family and I are homeowners and for that I will always thank and remember him. In my book he is part of the family.Bill always explained everything and was always available. I will definitely recommend him to my friends and family.
Thumbs up.
Got things done
Bill was excellent to deal with throughout the mortgage process. His expertise and ability to explain the process made for a great experience, especially as a first time home buyer.
Very knowledgeand very professional.!!!!!!
Mr Diaz was always avail le whenever I had a question or concern. His guidance throughout this process was tremendously caring and at the same time realistic. Extremely knowledgeable professional and is looking after your best interest our business relationship at the end ended up feeling like a family relationship. I am extremely grateful for Mr. Diaz and team in every way for helping us achieve our new family home.
Bill clearly communicated with us each step of the way, was attentive to our questions and concerns. We were in great hands!
Bill communicated every step of the way
Always up front and explains every situation
Bill always goes above and beyond
Everything was explained step by step he made sure I understood what was going on and that I was completely aware and understood the process. He was in constant contact with me throughout the whole process and was there for me if I had any questions a true pleasure to work with and very knowledgeable about his job. I couldn't imagine anyone else doing a better job.
No other words besides bill is the best person we ever had the pleasure dealing with
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
