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Bill Mott and Kevin Cunningham

The Mott/Cunningham Team

Senior Loan Advisors | San Luis Obispo – Flagstar Home Loan, California

License/Certifications: NMLS 341086 | NMLS 633249


Office: 805.250.2411 | 805.250.2400

Fax: 805.421.5397

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Home > About Us > Our Team > The Mott/Cunningham Team

My Story

Bill Mott

Bill Mott has been in the mortgage business for more than a decade and is one of the founders of the San Luis Obispo Branch of Opes Advisors, a Division of Flagstar Bank. Prior to joining Opes, Bill helped his previous employer become one of the top mortgage banking branches in San Luis Obispo County.


Born and raised in San Luis Obispo, Bill attended Santa Clara University, majoring in Marketing at the Leavey School of Business. An All-American baseball player in college, Mott was drafted to play professionally by the Anaheim Angels. After baseball, Bill served as a Loan Advisor for a large, publically-traded home builder with a branch in San Luis Obispo. He also worked for the builder division of a prestigious national bank. Locally, Bill has earned the trust of many of the top home builders, Realtors® and business professionals on the Central Coast.


The Mott Family has been involved in the San Luis Obispo community for more than 70 years.


Bill lives in San Luis Obispo with his wife, Erin, and their two sons, Brayden and Colton.


Kevin Cunningham

Flagstar Bank helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. During the mortgage process, our advisors show clients new ways of looking at affordability that take everything they care about into consideration.


Our Loan Advisors do extensive work upfront to determine the best financing structure in each particular client situation. Through years of experience and industry knowledge, our advisors have the ability to anticipate and avoid potential obstacles, giving clients confidence and peace of mind throughout the process.


Flagstar Bank originates, underwrites, and funds loans with its own capital, maintaining control of the entire loan process. Flagstar Bank offers a full-range of competitively-priced loan programs and is knowledgeable in lender guidelines so we can match the best loan program to each client’s unique situation and needs. Our underwriters are well versed in local markets and we fund loans in-house, maintaining complete control to ensure fast turn-times and a smooth loan process.


Contact me to learn how I can help you with your real estate financing needs.



Bill Mott

Senior Loan Advisor

NMLS 341086


Office: 805.250.2405

Cell: 805.234.5081


Kevin Cunningham

Senior Loan Advisor

NMLS 633249


Office: 805.250.2411 | 805.250.2400

Cell: 805.458.5178


Branch: San Luis Obispo – Flagstar Home Loan

1212 Marsh Street, Suite 1

San Luis Obispo, CA 93401

Phone: 805.250.2400


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360 months

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