Get to know me
Bill Kerbs is an experienced mortgage broker based in Central Phoenix, specializing in helping clients navigate home financing—from first-time buyers to investors. Known for clear guidance, fast communication, and creative loan solutions, Bill focuses on making homeownership achievable across Arizona.
My experience
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Brokerage info
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
Straight talk, zero pressure, and constant updates. I’ll guide you from “I think I want a house” to “holy crap, I got the keys” — minus the stress and confusion.
Pay stubs, W-2s or tax returns, bank statements, ID, and any proof of income or assets. Basically, if it shows how you make or spend money—I’ll need it.
I do a soft credit pull first—it doesn’t ding your score. That lets me give real rate options without the stress of a hard inquiry.
Love it. The earlier, the better. Talking early means we can fix credit bumps, plan smarter, and make you unstoppable when it’s go time.