Bill

Loan programs may change at any time with or without notice. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Housing Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.

A little more about me.

It’s important that (borrowers) feel comfortable asking you questions and not worry about being judged. It’s all about building trust.

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Bill Duggan brought his 12 years of finance and mortgage expertise to Atlantic Bay in 2012. Experienced in VA, FHA, Conventional, VHDA and renovation loans, he provides valuable insight to clients whether they are purchasing or refinancing a home or investing in a property.

Whether he is meeting first time home buyers face to face for the first time or answering an urgent phone call the evening before a coveted house goes on the market, Bill Duggan has a knack for putting people at ease. He may toss out a bit of humor or make small talk. He may tell them how excited he and his wife were when they bought their first home. He says, “It’s important that they feel comfortable asking you questions and not worry about being judged. It’s all about building trust.” Bill understands that buyers are often nervous. He says, “I simplify the process and give them more information than they need. I usually start with the numbers, because, honestly, that’s what most people care about. ‘What is my payment? Tell me about the terms. What are the closing costs?’ As we sign loan papers, I tell them this doesn’t obligate you to anything. You haven’t bought a house. We have to go through this to give you the opportunity to ask all sorts of questions and increase your understanding of what we are about to do.’ As long as you explain that thoroughly, clients will have a clear understanding of what’s going on.”

Bill is active in the Suffolk Rotary Club and BNI. He has taught over 30 Lunch and Learn classes and 200 industry professionals.

Bill Duggan brought his 12 years of finance and mortgage expertise to Atlantic Bay in 2012. Experienced in VA, FHA, Conventional, VHDA and renovation loans, he provides valuable insight to clients whether they are purchasing or refinancing a home or investing in a property.

Whether he is meeting first time home buyers face to face for the first time or answering an urgent phone call the evening before a coveted house goes on the market, Bill Duggan has a knack for putting people at ease. He may toss out a bit of humor or make small talk. He may tell them how excited he and his wife were when they bought their first home. He says, “It’s important that they feel comfortable asking you questions and not worry about being judged. It’s all about building trust.” Bill understands that buyers are often nervous. He says, “I simplify the process and give them more information than they need. I usually start with the numbers, because, honestly, that’s what most people care about. ‘What is my payment? Tell me about the terms. What are the closing costs?’ As we sign loan papers, I tell them this doesn’t obligate you to anything. You haven’t bought a house. We have to go through this to give you the opportunity to ask all sorts of questions and increase your understanding of what we are about to do.’ As long as you explain that thoroughly, clients will have a clear understanding of what’s going on.”

Bill is active in the Suffolk Rotary Club and BNI. He has taught over 30 Lunch and Learn classes and 200 industry professionals.

Contact me

What can you afford?

Use my mortgage calculator to estimate your monthly cost.*
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.
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870
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*This calculator is made available to you as an informational tool. All examples are hypothetical and are for illustrative purposes only. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on individual scenarios, credit scores and market conditions. Atlantic Bay Mortgage Group does not guarantee the applicability of the above terms in regards to your individual circumstances. This information is not intended to replace the advice of a tax or financial professional.