William L. Kays

We have unparalleled experience, expertise and flexibility to help locals get the home lending they need for their Jersey Shore dream homes.

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Monmouth County Home Mortgages - Manasquan Bank

William L. Kays

Loan Officer, Residential Lending

NMLS# 1383824
Office: (732) 722-5908
Cell Phone: (908) 963-5600

Consult with William

2221 Landmark Place
Wall, NJ

William L. Kays has over 35 years of experience in the mortgage banking and title insurance industries. His wide range of experience has taken borrowers from the application process through to closing. Bill’s vast knowledge of the industry allows him to confidently negotiate the mortgage process for his borrowers, whether purchasing, refinancing, or building their dream home. Having worked as a licensed Title Officer, Bill has the ability to understand and facilitate an efficient closing process. Whether you’re a first time home buyer, or purchasing your next dream home, you can be confident that Bill has the expertise to see that your transaction runs as smoothly as possible.

Professional Background:

  • Graduate of Davis & Elkins College with a BS in Marketing and Management
  • Served 13 years on the Board of Governors of the New Jersey Mortgage Bankers Association
  • Served 4 years as a Director of the New Jersey League of Mortgage Lenders
  • Elected to two terms on Union Township Board of Education


  • Licensed Mortgage Loan Originator NMLS #1383824
  • Licensed Title Producer
  • Notary Public

Tools to Get You Closer to Home

Calculate PaymentCalculate a monthly payment and view the options.

Calculators: These calculators offer assistance as you research which type of mortgage is best for you, deciding if it is the right time to refinance, or if you’re ready to purchase a home.

Apply OnlineReady to get going? Use our online portal to jump-start the application process.

Learning Center:  To assist you in your understanding of the home lending process, our learning center provides the following resources: a mortgage glossary of important industry terms, how to get a loan, types of loans, and the basics of home buying.

Mortgage ChecklistReview what documents you need to apply for your home loan.

Lending Options
Manasquan Bank offers many different lending options to suit your needs.

MortgageManasquan Bank has been helping people turn houses into homes since 1874. We’re here for you with affordable mortgage options, free pre-qualification, fast pre-approvals and a loan advisor that guides you through the entire process. Whether you’re purchasing a home or refinancing, we offer great rates on fixed and adjustable loans.

ConstructionWith our unique construction loans, you get the resources you need to build now – whether it’s a large-scale renovation or you’re starting from scratch. Financing is approved before you build and interest is charged during construction as you draw funds. Then, we convert your loan to a mortgage when you move in. Borrow up to 80% LTV and lock in your rate for up to 365 days. Simple and streamlined, it’s the funding you need to create the home of your dreams.

Home Equity: Get the money you need, when you need it. Whether for home improvements, debt consolidation, purchasing a new car, financing your child’s education or a well-deserved vacation – we make it easy to use your home’s equity to reach your goals. With convenient home equity lending options, we’ll help you determine if a fixed or adjustable loan is right you!

Land Loan: You’ve found the perfect place for your dream home. Now make it yours with a competitive Building Lot Loan from Manasquan Bank. Our unique Lot Loans help you secure the land you want today, at a great rate you can afford. Plus, there are no restrictions on lot sizes or loan amounts. Build now or in the future. It’s all up to you. When it comes time to build, pay off your Lot Loan using the first disbursement of an MB Construction Loan. It’s seamless, affordable, and makes planning your project easier with a consistent lending partner by your side throughout.

New Jersey's Full Service Community Bank
(844) 626-2265
[email protected]
2221 Landmark Place