Headshot of Ross Billings

Ross Billings

Senior Loan Officer

The Billings Team

NMLS #1450217

354 Merrimack Street, Suite 315
Lawrence, MA 01843
Contact Methods
mobile Mobile
(978) 810-5544
fax Fax


About Ross

My goal is for you to have the best mortgage experience possible. I do this by bringing empathy, understanding, efficiency, and expertise to the process. I’ll work to make your home loan smooth and even, dare I say it, fun!

I moved to the mortgage industry in 2016 after a seven-year career as the finance director of a Fortune 500 auto dealer. I’ve stayed because I really enjoy helping people achieve homeownership, which I strongly believe is the mainstay of the American dream for a family.

Years of looking at consumer credit gave me the ability to examine a transaction from all angles. My dedication to learning means I am constantly adding to my knowledge of home loan programs. By staying up to date on guidelines and changes, I can find the best mortgage options for you and avoid bumps in the road that could delay your closing.

I grew up in the North Shore of Massachusetts and attended Danvers High School, where I entered the step program at North Shore Community College and Salem State University. I spend most of my leisure time in the North Shore and the Lakes Region of New Hampshire with my lovely wife and three terrific kids. I have a passion for numbers and vehicles, and with my problem-solving mind, I find math and engines fascinating. This in turn feeds my love of cars, boating, and motorcycles.

Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


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.


  • 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

    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

    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

    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.

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