About Bill Spencer
William "Bill" Spencer is a dedicated mortgage professional with almost 2 decades experience and Vice President of Mortgage Lending at Guaranteed Rate, where he is committed to delivering a seamless, efficient, and client-focused home financing experience. Based in Columbia, Maryland, Bill is also licensed in PA, VA DE, NJ, DC, NC, SC, GA, FL, TN, KY, OH, IN, IL, TX, CA and WA, he can assist homebuyers, homeowners, and real estate partners with a high level of expertise and responsiveness. With a passion for simplifying the mortgage process, Bill takes pride in guiding clients every step of the way from initial consultation through closing, ensuring they fully understand their options and feel confident in their decisions. His approach is rooted in education, transparency, and personalized service, making even complex transactions feel straightforward and stress-free. Bill works with a wide range of borrowers, from first-time homebuyers to seasoned homeowners, offering tailored solutions for purchase, refinance, and specialized loan programs. Known for his accessibility and commitment to communication, he builds lasting relationships with clients and referral partners alike. Now part of one of the nation's leading mortgage lenders, Bill leverages the innovative technology, competitive products, and national reach of Guaranteed Rate to provide fast approvals, efficient closings, and a superior borrower experience. Whether you're purchasing your first home, upgrading, or refinancing, Bill Spencer is a trusted resource dedicated to helping you achieve your homeownership goals with confidence. You can contact me or also start your home ownership journey with me with the online link located here.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 10320 Little Patuxent Pkwy, Suite 1140 Columbia MD, 21044
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.