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Derek Malley

Mortgage Guide • Local Advisor
A smooth path to homeownership—clear numbers, simple steps, on-time results.
How to Reach Bill
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Home Ownership Made Simple

Buying a home shouldn’t feel confusing. I lay out your options in plain English, show you the real payment, and give you a step-by-step plan—so you can move forward with confidence.

From pre-approval to keys, I keep you updated at every step.

+ Meet Bill - Family Man & Mortgage Expert
Bill Pendley • Branch Manager, Union Home Mortgage

Based in St. Charles, IL, Bill is a husband to Laura and dad to JOJO & GIGI. He treats every loan like it’s for his own family—clear options, real numbers, and steady communication from pre-approval to keys.


For homebuyers, Bill specializes in first-time programs and smart refinance strategies. He lays out a simple step-by-step plan, explains costs in plain English, and keeps everyone aligned so closings stay on time—no surprises.


For loan officers, he provides hands-on coaching and simple systems that build pipeline and confidence: a 30/60/90 growth plan, weekly pipeline reviews, repeatable referral plays, and support that helps you win more deals without losing your evenings and weekends.


Bill also hosts the “Loans & Drones” podcast, breaking down mortgages and the tech shaping real estate—with practical tips buyers and LOs can use right away.


What to expect with Bill
  • Fast, honest pre-approvals and plain-English options
  • Proactive updates and on-time closings
  • Coaching, accountability, and repeatable sales systems for LOs

NMLS #211969 • Licensed in FL, MI, WI, IN, SC, IL, TN, KY, AZ, NC
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Who I Help
and Why

First-Time Homebuyers

Plain-English guidance, down-payment options, and a step-by-step plan from pre-approval to keys—no surprises.

Homeowners & Refi Savers

Lower your payment, consolidate debt, or tap equity. I run the numbers fast and only recommend a refi if it truly helps you.

Real Estate Partners

Fast pre-approvals, proactive status updates, and on-time closings that protect your contracts—and your reputation.

Self-Employed Buyers

bank-statement, asset-qualifying, and other flexible options explained simply.

Let’s Map Your Next Step
In 15 minutes, you’ll get a simple plan to buy and refinance.

Schedule 1 on 1

Tools & Guides

I offer short, simple resources to help you know your figures and next steps.

✓ Buyer Starter Guide: What to do first, what documents to gather, and how pre-approval really works—so you can shop with confidence.

✓ Refi Savings Check: See payment, terms, and break-even at a glance. If it doesn’t help, I’ll let you know.

"Every day, I work hard to help families achieve their dreams of homeownership because I know how much it means to have a place to call home."

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Let’s plan your next step

One call.
A clear plan.
Then action.

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