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Bill Bray III

Maryland - Rockville

800 King Farm Boulevard

Rockville, MD 20850


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.

98% Customer Satisfaction Rating
Zillow 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5

    5 Survey completed on January 12, 2022

    Review By Lauren M. for Bill Bray

    Completed transaction in January 2022

    Bill helped us throughout our lengthy home search. He helped us complete a quick closing over the holidays. We feel we got a fair rate and Bill was always responsive to our questions and concerns.

  • 5

    5 Survey completed on January 12, 2022

    Review By Alan M. for Bill Bray

    Completed transaction in January 2022

    Bill was always quick on his feet and always acted in our best interest. I think the rate he got us was better than what anywhere else could offer

  • 5

    5 Survey completed on January 11, 2022

    Review By Kevin H. for Bill Bray

    Completed transaction in January 2022

    Bill is the ultimate professional. Great info, quick service, best deal.

  • 5

    5 Survey completed on January 07, 2022

    Review By Jane T. for Bill Bray

    Completed transaction in January 2022

    Quick response and guidance through a complex process

  • 5

    5 Survey completed on December 23, 2021

    Review By Eli K. for Bill Bray

    Completed transaction in December 2021

    Bill and Ashley were amazing and made my dream home a reality! I truly appreciate all their hard work and dedication to make this happen so quickly. Thank you, Eli Kostbar

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What Is a Mortgage Loan?

A mortgage is a type of loan used to purchase a home.  Since most homebuyers do not have hundreds of thousands in cash on hand, the majority of consumers use mortgage loans to purchase their properties. This allows them to spread the cost of the home out over time — often many decades. According to…

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