Bill Baralt
Mortgage Loan Advisor | NMLS# 372335
Bill Baralt is dedicated to building strong relationships with consumers and real estate agents by finding the best solution for your individual situation. Bill will offer a variety of mortgage options, competitive pricing, and sound advice... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Bill Baraly's Prompt communications with consistency
This is our second time working with Bill. He was very helpful, everything worked out smoothly and we closed in 30 days!
Reply from Bill Baralt
October 5th, 2026 04:34 PM
Robin, I'm happy to hear that your second experience with me went smoothly and that we were able to close in 30 days. It's great to know that you found my assistance helpful, and I appreciate your trust in Lower for your mortgage needs.
Bill was very communicative throughout the entire process and made everything smooth and easy. He was extremely knowledgeable, patient, and took the time to answer all of my questions. I really appreciated his professionalism and help.
Reply from Bill Baralt
October 5th, 2026 01:19 PM
Eric, I'm pleased to hear that my communication and knowledge made the process smooth and easy for you. It's great to know that my patience and professionalism were appreciated. Thank you for choosing to work with me at Lower.
I purchased my first property in 2018 and Bill helped me then and recently I bought another property and knew exactly who I could call to count on with my mortgage loan process. Bill is honest, trustworthy and will help you every step of the...
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Reply from Bill Baralt
September 14th, 2026 04:36 PM
Donna, I truly appreciate your kind words and am grateful for your continued trust in me for your mortgage loan needs. It's wonderful to hear that you found my assistance helpful throughout both of your property purchases. Thank you for recommending...
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Bill was such a grea Mortgage Loan Advisor to work with! Super friendly, easy to get a hold of, super knowledgeable and always willing to walk us through documents/review any questions we had. 10/10 would recommend to anyone in the market for...
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Reply from Bill Baralt
August 18th, 2026 02:35 PM
Eric, I'm glad to hear that you found working with me to be a positive experience. It's great to know that my availability and knowledge were helpful in navigating your home purchase. Thank you for your kind recommendation!
Bill is just a great guy answers all our questions and is very helpful to me and my wife i have been using bill for 10n years now on 4 differnt houses and he has be the so helpful on every house loan
Reply from Bill Baralt
August 12th, 2026 08:34 PM
Adam, I appreciate your long-standing trust and am glad to have been helpful with each of your house loans over the years. It's great to know that you and your wife find the support and answers I provide valuable. Thank you for sharing your...
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He was always there to provide us with accurate info on a timely basis
Reply from Bill Baralt
August 3rd, 2026 06:20 PM
Timothy, I'm grateful to hear that you valued the timely and accurate information I provided. If you have any further questions or need assistance in the future, please feel free to reach out.
Bill made every step easy and was straightforward to work with. It was obvious he was well-read and intelligent about everything to do with the lending process.
Reply from Bill Baralt
April 27th, 2026 02:55 PM
Ethan, I appreciate your kind words and am glad to hear that you found the process easy and straightforward. It's great to know my knowledge of the lending process was beneficial for you. If you ever have more questions or need assistance,...
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Bill did a wonderful job explaining the process and being supportive and responsive the entire time. We appreciate him and the service he provided.
- Olivia Ickes
Reply from Bill Baralt
April 13th, 2026 06:50 PM
Olivia, I'm happy to hear that you found my explanations and support helpful throughout the process. Your appreciation means a lot to me. If you have any further questions or need assistance in the future, please feel free to reach out.
Very knowledgeable and communicative
Reply from Bill Baralt
April 10th, 2026 07:10 PM
Kristen, I'm pleased to know you found my communication and knowledge helpful. If there's anything more you need or if any questions arise, please don't hesitate to reach out.
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About
Bill Baralt is dedicated to building strong relationships with consumers and real estate agents by finding the best solution for your individual situation. Bill will offer a variety of mortgage options, competitive pricing, and sound advice.
If you are buying or refinancing a home, we provide personal contact with an experienced team of mortgage experts. To ensure exceptional service, we control the entire mortgage process from application through closing.
Our Mortgage Loan Officers
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Mortgage Loan Officer
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Positions
- McCaughan Home Lending dba Lower LLC - Senior Loan OfficerJan 1st, 2013 - Current
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 372335
- Branch NMLS# 2385862
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.