Guild Mortgage - Bill Oneal
Loan Officer | NMLS# 505778
I’m proud to be part of Guild Mortgage, one of the nation’s leading independent mortgage lenders. With Guild’s wide range of loan programs and my 26 years of mortgage experience, I help homebuyers and homeowners find financing solutions tha... 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 O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:16 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:16 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:17 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:18 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:18 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:19 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:15 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:15 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others.
Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:17 PM
I'm thrilled to hear that you had a positive experience with both Todd Kremer and me. It was a pleasure working with you as well. We appreciate your recommendation and are always here to assist in the future.
I was having trouble sorting through all the mortgage providers I was researching, and asked my realtor if she new of one with a good reputation. The next day, Bill reached out to me based on my realtor's having contacted him and asking him...
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Reply from Guild Mortgage - Bill Oneal
September 11th, 2026 04:15 PM
I'm thrilled to hear about your positive experience with New American Funding. It was a pleasure assisting you with your mortgage process, and I'm glad that both Todd and I could meet your expectations. Your feedback reinforces our commitment...
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About
I’m proud to be part of Guild Mortgage, one of the nation’s leading independent mortgage lenders. With Guild’s wide range of loan programs and my 26 years of mortgage experience, I help homebuyers and homeowners find financing solutions that fit their needs. Whether you’re buying your first home, moving up, downsizing, refinancing, or investing, I’ll provide clear guidance, strong communication, and personal service from our first conversation through closing. Mortgages can be complicated. Working with your loan officer shouldn’t be.
Products & Services
Mortgage Lender
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
USDA Loans
Cash-Out Refinances
Non-QM
DSCR Loans
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Memberships
- Vice President of Goodnight Amphitheater
- Pool owner - Lagoon Life Pools
- NMLS
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2026
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 505778
Achievements
- 25+ years of trusted mortgage lending experience
- Helping families achieve homeownership since day one
- Expert in personalized mortgage solutions
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Hobbies
- Beach life, working with tools, being creative,
Disclaimer
I am authorized to do business in the state of Texas.; NMLS ID: 505778; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.