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  • 1182 Fischer Blvd., Suite 1 Toms River, NJ 08753 Mobile (609) 713-5191 William.Smith3@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Bill Smith

  • Loan Officer
  • Toms River, NJ Mortgage Loan Officer
  • NMLS #2368894
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I’ll be with you every step of the way

I’m William “Bill” F. Smith, and my journey is a fusion of legal insight and financial expertise. Raised in Ocean County, New Jersey, I hold degrees in Business Administration from the University of South Florida and a Juris Doctorate from Seton Hall University School of Law, reflecting my dedication to both local roots and academic excellence.

With over two decades as a solo practitioner attorney, I’ve championed clients through real estate closings, offering me a profound understanding of financial intricacies and lender interactions. This background uniquely equips me to provide a seamless transition into the mortgage industry, where my core values of communication, service, and dedicated representation remain unwavering.

Grounded in Ocean County, backed by rigorous education, and fueled by years of legal practice, I’m committed to assisting you on your homeownership journey. As part of America’s #1 Retail Mortgage Lender, I’ll ensure a mortgage experience defined by professionalism, care, and results.

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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. 

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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.

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