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.
I love helping first-time buyers finally get the keys. I cut the jargon, fight for the best rate, and handle the chaos so you just sign and celebrate.
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.