Skip to content
Billy Watkins photo
  • 6540 Alliance Drive, Suite 130 Rockwall, TX 75032 Mobile (214) 797-0313 Billy.Watkins@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Billy Watkins

  • Loan Originator
  • Rockwall, TX Mortgage Loan Officer
  • NMLS #2012196
Apply Now Free Rate Quote

I’ll be with you every step of the way

Hi, I’m Billy, based in Heath, TX. When you come to me for your home loan, I bring a unique blend of experience to the table. Not only am I a dedicated Loan Officer, but I’m also a teacher and coach at Melissa High School, where I teach government and lead both the boys’ and girls’ golf teams. With 28 years in education and 4 years in the mortgage business, I understand the importance of personal guidance and am ready to walk with you through every step of your homeownership journey.

I believe each mortgage should be as individualized as the clients I serve. Whether a conventional mortgage suits your dreams, a jumbo loan matches your larger aspirations, or you’re eligible for programs like FHA, USDA, or VA, I’m here to guide you. My goal is to find the perfect fit for your purchasing, renovating, or refinancing plans. As part of America’s #1 Retail Mortgage Lender, I look forward to embarking on this journey with you.

Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

Contact me

Inspiration for your home loan journey

View All

Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

Get Pre-Approved

I’d love to hear from you.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to be contacted by CrossCountry Mortgage or its agents on a recurring basis at the phone number and/or email address I provided regarding products or services via live, automated, artificial, or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.