Headshot of Bill Mott

Bill Mott

Branch Manager

NMLS #341086

994 Mill Street, Suite 200
San Luis Obispo, CA 93401
(805) 250-2405 (805) 250-2405
Cell phone
(805) 234-5081 (805) 234-5081
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Bill

Bill Mott has been in the mortgage business for almost two decades and is one of the founders of the San Luis Obispo Branch of CrossCountry Mortgage. Bill helped his previous employer become one of the top mortgage banking branches in San Luis Obispo County.

Born and raised in San Luis Obispo, Bill attended Santa Clara University, majoring in marketing at the Leavey School of Business. An All-American baseball player in college, Mott was drafted to play professionally by the Anaheim Angels. After baseball, Bill served as a loan advisor for a large, publicly traded home builder with a branch in San Luis Obispo. He also worked for the prestigious builder division of a national bank. Locally, Bill has earned the trust of many of the top home builders, Realtors® and business professionals on the Central Coast.

Bill resides in San Luis Obispo with his wife Erin and their two teenage boys, Brayden and Colton. The Mott Family has been involved in the San Luis Obispo community for more than 70 years.


Recent Posts and Articles

  • Senior couple browsing home financing options for their home renovation

    Whether you’re aging in place or bringing older relatives into your home, know your options and limitations for building in, building out and reducing hazard risk.

  • First time homebuyers fixing up their historic home thanks to their rehab home loan

    Historic Home Living: What You Can and Can’t Change

    Fantastic benefits come with living in a historically significant home, but certain restrictions can limit your rehab dreams—know your options going in

  • A woman standing in her new home

    Women Taking (Home) Ownership

    Let’s hear it for 100 years of women’s progress in homeownership! Read about their phenomenal influence on the market as we celebrate women and mortgages.

  • A couple reading an email from their realtor about their offer

    Winning a Homebuyer Bidding War

    Winning a homebuying bidding war depends on key factors you can control, including your outlook, tactics and the team around you.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (805) 250-2405