Accuracy
Every number, every disclosure, every line on your file — double-checked before it goes out. No surprises at closing.
NMLS #297927
Meet Your Loan Officer · Senior Loan Officer, Virtue Funding LLC
William O'Connell — two decades of accurate, responsive lending.
Residential and commercial lending, first-time homebuyer programs, and customized financing solutions — delivered with the accuracy and strong communication that gets borrowers to closing with confidence.
20+Years Lending
Residential& Commercial
NJPersonally Licensed
1Direct Line
NMLS #297927Federally Registered LO
Two DecadesIn Mortgage Lending
New JerseyPersonally Licensed
Residential & CommercialMultiple Loan Types
About William O'Connell
Accuracy, responsiveness, and clear communication — from first call to closing.
William is an experienced Mortgage Loan Officer with two decades in residential and commercial lending, first-time homebuyer programs, and customized financing solutions.
Known for accuracy, responsiveness, and strong client communication, he ensures borrowers understand their options at every step — and close with confidence.
Whether you're buying your first home, exploring commercial financing, or putting together a deal that doesn't quite fit the cookie-cutter mold, William brings the experience and the patience to walk you through it.
Why Work With William
What clients get every time.
Responsive
Calls returned, emails answered, questions handled. When you need movement on your file, you get it.
Strong Communication
Plain-English updates at every milestone. You'll always know where your file stands and what's coming next.
Two Decades of Experience
20 years across residential and commercial files. The seen-it-before instinct that helps your file land on the right desk.
Customized Solutions
Your file isn't generic, so neither is the loan. Programs structured around your actual situation, not the easiest box to check.
Confidence at Closing
You walk into the closing table knowing exactly what you signed up for — and walking out with the keys.
William's Specialties
Four focus areas. One experienced advisor.
If your situation doesn't fit one of these neatly, call — chances are there's still a path.
Residential Lending
Purchase and refinance loans for primary residences, second homes, and investment properties. Conventional, FHA, VA, and more.
Commercial Lending
Investment properties, mixed-use, multifamily, and small-balance commercial real estate financing.
First-Time Homebuyer Programs
Down-payment assistance, FHA, and first-time buyer programs designed to get you into your first home.
Customized Financing
Complex income, unusual properties, or non-traditional borrowers — tailored solutions when the standard programs don't fit.
How It Works
Four steps. Zero guesswork.
From first call to closing — here's exactly how the process feels.
Discovery Call
A short conversation to map your goal, your budget, and the timeline you're working against.
Loan Match
We shop the lender network and bring back the two or three programs that actually fit your situation.
Application & Lock
One streamlined application. We handle the paperwork and lock your rate at the right moment.
Close & Celebrate
Final walkthrough on the numbers, then on to closing — with no last-minute surprises.
Reach William Directly
Two fast ways to start.
Pick whatever's easiest — you'll hear back within one business day.
Ready to Move
Let's see what fits your situation.
A direct conversation, clear numbers, and a path forward — usually inside one business day.