Doug Bills
VP of Lending
|
NMLS ID# 960282
Contact
Virginia Beach, VA
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Doug
Doug Bills is a dedicated loan officer serving Virginia Beach, Virginia, known for helping clients navigate the mortgage process with clarity and confidence. With extensive knowledge of the coastal Virginia housing market, Doug provides personalized lending solutions tailored to each borrower’s unique financial goals. He specializes in a full range of loan programs, including conventional, FHA, VA, and jumbo loans, assisting first-time homebuyers, military families, and experienced homeowners alike. Doug is especially skilled in working with VA loans, making him a valuable resource for service members and veterans in the Virginia Beach area. Doug’s client-first approach emphasizes transparency, responsiveness, and attention to detail. From initial consultation through closing, he is committed to making the home financing experience smooth, efficient, and stress-free. Whether you’re purchasing a home near the coast, refinancing for better terms, or exploring your loan options, Doug Bills offers the expertise and local insight needed to secure the right mortgage. For those seeking a reliable and knowledgeable loan officer in Virginia Beach, VA, Doug is a trusted partner every step of the way.
I am licensed in: NC, VA
It was a highly positive experience for me because Doug was consistently available. Regardless of the time of day, he always answered my calls. Additionally, he arranged to cover the cost of my appraisal, regardless of the amount. I truly appreciate any form of assistance, and I am especially grateful to Doug and his colleagues for their support throughout the home purchasing process.
Koreena B.
Verified Customer
September 6, 2026
Joe Harris and the entire team are best in class. Truly felt valued and appreciated throughout the entire process.
Benjamin F.
Verified Customer
August 31, 2026
Easy to work with. Responsive and takes input!
Ryan A.
Verified Customer
August 29, 2026
Doug was extremely knowledgeable, friendly and easy to talk to. He guided us through the whole process step by step with great detail and made everything very easy for us to understand. Doug was able to work with our unique situation of being retired and military veterans and and helped us get the best possible rates and results. We would absolutely recommend Doug and lower mortgage to anybody that is buying a home! 10 out of 10 wonderful experience. Thank you so much Doug and the team!
Jackie R.
Verified Customer
August 26, 2026
Doug was kind considerate patience and understanding. I had a timeline & he went above & beyond to meet it. He & his team listen and payed attention. They made this experience simple and easy.
Charlotte U.
Verified Customer
August 21, 2026
They were quick to respond to my questions.And I felt like they run a very tight ship.Things went quickly and smoothly.
Brian F.
Verified Customer
August 20, 2026
Doug and Lou are great to work with; however, getting your final #s less than 24hrs before closing is not ideal. Makes for a very anxious/unknown situation.
Kolby H.
Verified Customer
August 20, 2026
Working with Doug was an outstanding experience from start to finish. I was in a difficult situation, and they remained patient, professional, and supportive throughout the entire process. They took the time to explain every step, answered all of my questions, and helped me clearly articulate my financial situation so everything was presented accurately and effectively. Their knowledge, attention to detail, and willingness to go the extra mile gave me confidence during what could have been a very stressful experience. Thanks to their guidance and dedication, I was able to secure my home loan. I truly appreciate their hard work and would highly recommend them to anyone looking for a knowledgeable, compassionate, and dependable loan officer.
Nikolas L.
Verified Customer
August 1, 2026
Great service, very helpful and flexible with me being underway and wonderful communication
Monise B.
Verified Customer
July 30, 2026
Helped out and answered my questions
Brandon S.
Verified Customer
July 18, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
