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Senior Loan Officer
NMLS # 659198
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Click to email
401.559.3044
301.978.3690
Maryland - Rockville
20850
800 King Farm Boulevard
Rockville, MD 20850
301-921-0070
About Bill
William Bray is a new Senior Loan Officer joining the Embrace team in Rockville, MD, where he ensures an efficient loan process from pre-application to closing and beyond. He’s committed to helping borrowers find the best financial products and rates currently available to meet their unique needs and delivering exceptional customer service at every step. With over 17 years of experience in the mortgage industry, and recognition as a Top Producing Senior Loan Officer for more than 9 years regionally and nationwide, he’s an asset to the team that we’re happy to bring onboard. Bill was particularly drawn to our Approved to MoveTM offering, since it helps make the mortgage process worry-free and helps streamline the path from pre-approval to closing.
Bill was born and raised in Chevy Chase, Maryland, and is well versed in the Montgomery County area and Washington, D.C. He studied criminal justice at Roger Williams University, earning both a bachelor’s degree and master’s degree within the field. Clients can rely on him to help them find products and plans for every type of credit, loan amount, sales price, and down payment. He brings a workhorse mindset, compassion, flexibility, and product expertise to every borrower he serves. When he’s not at work, he enjoys playing golf and spending time with his wife and their two daughters.
You can learn more about Bill and connect with him on LinkedIn.






Buying a home can be a challenging experience, but you have help. Your real estate agent is there to help with the home search and your mortgage lender is there to get you through the mortgage process. Utilize these people and their knowledge to help you navigate through all the steps. Here, we’ll talk specifically…
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401.559.3044800 King Farm Boulevard
Rockville, MD 20850
Testimonials(61)
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5
5 Survey completed on February 25, 2023
Review By Eric L. for Bill Bray
Completed transaction in February 2023
Easy refinance with embrace…
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4
4 Survey completed on January 09, 2023
Review By Tajrina H. for Bill Bray
Completed transaction in January 2023
Thanks for answering my questions promptly and walking through the process!
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4
4 Survey completed on December 31, 2022
Review By Richard H. for Bill Bray
Completed transaction in December 2022
being able to sign all docs on line
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5
5 Survey completed on December 31, 2022
Review By Jaclyn D. for Bill Bray
Completed transaction in December 2022
From Day 1 Billy has been nothing but communicative, trustworthy and most of all helpful. Our experience with Embrace has been nothing short of amazing. Would highly recommend!
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5
5 Survey completed on December 27, 2022
Review By David H. for Bill Bray
Completed transaction in December 2022
The best!!! Sincere thank you to Billy and the entire Embrace team!! We could not have done this without you! Thanks!! Dave and Jaclyn