Billy Robles
Aspen University Honors Graduate · Honors MSW Candidate

Advocacy born from
lived experience.

A licensed mortgage professional and insurance agent, and a formerly licensed telecommunications contractor bringing fierce, uncompromising advocacy to financial planning and social work.

Overcoming to Advocate

My professional journey didn't start in a boardroom; it started in the system. At six years old, I was abandoned alongside my one-year-old brother. I navigated the child welfare system until I was fifteen, when I found myself living on the streets.

I had to learn how to survive, how to navigate broken institutions, and how to rebuild my life from the ground up. Overcoming those streets taught me profound resilience, but it also exposed the massive gaps in how we support our most vulnerable populations.

That lived experience is the core motivation behind my pursuit of a Master of Social Work (MSW). Whether I am helping a senior secure their independence through a reverse mortgage or fighting for systemic change, I know what it means to need an advocate. I bring that same dedication to everyone I serve.

My Origin Story

Professional Hub

Connecting ethical advocacy with intelligent planning and infrastructure.

HECM.cash

A highly specialized educational portal dedicated to helping seniors 62+ understand FHA-insured reverse mortgages and protect their legacy.

Visit HECM.cash

LoansByBill.com

Strategic mortgage solutions including conventional loans, HELOCs, and refinancing. Licensed in Arizona, California, Nevada, Oregon and Pennsylvania (NMLS #2751970).

Visit LoansByBill

Contracting & Insurance

Beyond mortgage lending, I hold an active license as an Insurance Agent. As a formerly licensed contractor (CSLB #951450, now expired), I bring hands-on technical experience to how I approach projects.

Active Insurance License

Connect Professionally

Let's network. Follow my journey through the MSW program, real estate, and financial advocacy.

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Original Music

Beyond advocacy and lending, I produce independent music. Stream my original tracks directly on Spotify.

Listen on Spotify

Billy Robles, Individual NMLS #2751970. Sponsored by E Mortgage Capital, Inc., Company NMLS #1416824. Licensed in Arizona, California, Nevada, Oregon and Pennsylvania. EMC state licenses: AZ Mortgage Banker License #1018253 · CA DFPI Finance Lenders Law License #60DBO99575 · NV Mortgage Banker License #5441 · OR Mortgage Lending License #ML-5587 · PA Mortgage Lender License #82975. Verify any originator at NMLS Consumer Access. Equal Housing Lender. This page is for informational purposes and is not a commitment to lend, an offer of credit, or a solicitation in any state where the originator is not licensed.