Headshot of Billy Watkins

Billy Watkins

Loan Officer

Heath, TX Mortgage Lender

NMLS #2012196

Adress
25 Noble Court Suite 101
Heath, TX 75032
Contact Methods
Email
mobile Mobile
(214) 797-0313
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Billy

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 boy's and girl's 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.

My commitment to you extends far beyond securing a mortgage. From the moment we start with pre-approval until closing—and even into the future—I'll be there to answer your questions and ensure your home loan adapts to your evolving needs. As someone who thrives on helping others achieve their goals, whether in the classroom or navigating the complexities of home financing, I look forward to embarking on this journey with you.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Exterior of a multi-family home that provides separate living spaces for multiple families.
    Published on

    What Is a Multi-Family Home?

    Confused about the difference between duplexes & condos? Dive into our guide & learn everything about multi-family homes - perfect for renters & investors!

  • Image of a man using a saw while doing a home improvement project.
    Published on

    Loans For Home Improvement

    Discover how to finance home improvement projects with ease. Learn about the different loan options available, qualification requirements, and the application process.

  • Couple sitting together on couch researches a cash-out refinance loan on their cell phone.
    Published on

    What Is A Cash-Out Refinance Loan?

    Unlock your home's equity with a cash-out refinance loan. Get funds for renovations or debt consolidation. Learn how it works and if it's right for you.

  • Man sitting on couch reviews financial records to help calculate his debt-to-income ratio (DTI).
    Published on

    How to Calculate Debt to Income Ratio

    Learn how to calculate your Debt-to-Income Ratio (DTI) to assess your financial health for loans. Discover tips to lower DTI and secure better loan terms.

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.

Resources

  • The Mortgage Process

    The Mortgage Process

    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.

  • Payment Calculator

    Payment Calculator

    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.

  • Find the Right Loan

    Find the Right Loan

    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.

  • Home Loan Check List

    Home Loan Check List

    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.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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