The Bill McDonald Team at VanDyk Mortgage Corporation

The Bill McDonald Team at VanDyk Mortgage Corporation Bill McDonald, Loan Originator & Branch Manager, NMLS #95835. VanDyk Mortgage Corp. NMLS #3035.

11/26/2025

This is a bit delayed, but still appropriate, since it is a week of giving thanks. I made our prestigious President's Club at VanDyk Mortgage again, a club made up of our most elite loan officers, but I know it's not just me. I have a whole team who supports me. Mary Spirou-Drane keeps our borrowers moving forward, Rachel Wheat supports Mary and makes sure our files are neat, Carey Krein is my right hand and supports me every single day with our clients, Lincoln William Ryan keeps my content rolling, my face looking handsome in videos and keeps me visible to our market and beyond to bring leads in the door. Our newest team member, Apryll Lightell-Geib, is your first interaction when you walk through our doors, ready to make you smile and ensure you have a comfortable drink in your hand before we get to work. I am thankful for everyone on this team and anyone who was part of it in the past. I am not who I am today without you all.

11/25/2025

Ya win some, ya lose some. And this time, we lost someone because they didn't want the strongest pre-approval. I know not everybody does it this way, but I do not hand out pre-approvals like candy on Halloween. I vet my buyers thoroughly, and we review all documentation before issuing the pre-approval letter. This method has made realtors in my local area aware that my buyers are the strongest when writing offers. Honestly, anything that isn't pre-underwritten is just a guess. And guessing leads to bad results in the real estate world.

11/24/2025

I gotta say, our Presidents Club meetings in the sunny Florida Keys away from the gloomy TN November weather did wonders for my mental state. Get into the sunshine, y'all.

09/22/2025

If someone tells you no, don't take that no as a solid, concrete answer. Ask someone else.
That's what happened in the case of these two borrowers. Both were talking to different lenders who said they couldn't use per diem income and couldn't qualify the buyers. Heck, one of those lenders even told the agent that I couldn't do it either. Don't underestimate what Bill and VanDyk Mortgage are capable of. We pre-approved both borrowers and they close on their new homes this week. One is in the medical field and one is in the construction field. Both receive per diem income that isn't part of their standard pay. We can use that per diem as income towards buying your new homes. If you're someone in a situation like this, call me today and let's see if we can make something happen.

Some lenders said per diem income wouldn’t fly. We documented it properly, made the case, and expedited this one to Clea...
09/19/2025

Some lenders said per diem income wouldn’t fly. We documented it properly, made the case, and expedited this one to Clear to Close.
Congrats to our buyer and shout-out to Dave Fankhauser at Skyline Realty for his stellar teamwork.

Have a tricky file? I’m happy to review. Give me a call or drop me a message.

The myth of VA home loan approvals being more difficult has long held down VA buyers, and that myth is not true.The VA H...
09/18/2025

The myth of VA home loan approvals being more difficult has long held down VA buyers, and that myth is not true.

The VA Handbook instructs underwriters to consider every possible factor in approving qualified Veterans:
“Underwriters are encouraged to give consideration to every possible appropriate factor in seeking a proper basis for approving loan applications for every qualified Veteran.” The VA sets guardrails, not handcuffs. If the Handbook doesn’t say you can’t do something, well-documented underwriter judgment applies. VA even says underwriters should use good judgment and flexibility.

When it boils down to it, VA is not the problem. Extra lender rules, called overlays, are. Work with lenders who follow the VA Handbook first and keep overlays to a minimum. Who a Veteran works with matters. Choose a team that knows the VA playbook and fights for approvals the VA already supports.

It's a beautiful weekend to be looking at homes. If you need a pre-approval, I will be working all weekend. Feel free to...
07/11/2025

It's a beautiful weekend to be looking at homes. If you need a pre-approval, I will be working all weekend. Feel free to give me a call anytime, and I will be delighted to help. (865) 686-8711

HUGE NEWS from the USDA this week, with the income limits being significantly raised. In most counties, the income limit...
06/19/2025

HUGE NEWS from the USDA this week, with the income limits being significantly raised.

In most counties, the income limit for 1-4 occupants has been raised by over $7,000, and the income limit for 5+ occupants has been raised by close to $10,000!

This is a big deal because in 2024, they only raised the limit by $2,000. This new raise opens the door for thousands of families to qualify for a new home with $0 down. It's an absolute game-changer.

Call me today to get pre-approved for your new home with no money down. I'd love to make it happen.

Come see me at Friday at the Crossroads from 4-8PM, and bring your dog for a pup-cup! I will be next to A Time 4 Paws In...
06/06/2025

Come see me at Friday at the Crossroads from 4-8PM, and bring your dog for a pup-cup! I will be next to A Time 4 Paws Inc. and across from the Cumberland County Republican Women.

Do you receive per diem income from your employer? Those things would be money for hotels and lodging, money to cover yo...
06/03/2025

Do you receive per diem income from your employer? Those things would be money for hotels and lodging, money to cover your meals, money for your travel and fuel and various other things. We see this commonly with travel nurses, medical staff and skilled tradesmen. We used to be unable to use this income towards your home loan, but starting now we are able to consider that income towards the purchase of a new home. This can be the change between a denial and an approval, and can also bump up your existing purchasing power to a higher number. This is huge news for you, and huge news for us as we are delighted to get you into a new home! Do you receive per diem income?

🚫 Don't Get Outsourced📞 Online lender: Call center rep in Florida☕ Me: Sitting down with you at Grinder House on Main...
05/19/2025

🚫 Don't Get Outsourced
📞 Online lender: Call center rep in Florida
☕ Me: Sitting down with you at Grinder House on Main Street

When it comes to one of the biggest financial decisions of your life, choose someone who knows your name, your neighborhood, and your market. I'm not a voice on a 1-800 line — I'm your local loan officer, right here in Crossville.

Local matters. Let’s talk.

Address

848 Livingston Road, Ste 106/107
Crossville, TN
38555

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+18656868711

Website

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