About Us

Have you ever wished that there were somewhere you could go for your first responder mortgage needs where you could experience the same level of trust and “got your back” mentality that you know from the fire ground? Wouldn’t it be great to work with a mortgage professional whose business is governed by those same philosophies and values?

We thought so, too…


Yes, the page is called, “About Us,” but, really, it’s about YOU. Like you, we are active, retired, career and volunteer firefighters. Like you, we understand the job (and the second job), the sleepless nights, the sacrifices made by our families, and, of course, the undeniable bond we share with each other. And, like you, we work too hard and take too many risks earning our money to waste it by overpaying for a first responder mortgage.

We have created FirefighterMortgages.com, by Bank of England Mortgage,  as a resource for you to get sound mortgage advice and fair, honest deals. It is our objective to help you meet or exceed your mortgage goals in the simplest, most cost effective manner possible, including zero lender fees. We promise to give you the facts, not the runaround, and to really strive to simplify the mortgage process.

We understand the importance of your transaction whether you’re purchasing a home, refinancing your home, or need relief from your mortgage. We take your situation seriously and treat you with the courtesy and respect that you deserve. Collectively, we have decades of mortgage experience that will only benefit you, especially in today’s complex mortgage environment.

Count on your brothers in the first responder mortgage business.  Along with Bank of England Mortgage, a family run direct national lender with a focus on value and service, we are here to serve.  Please let us know what questions you have and how we can help you!

Why Choose Us

2 Experience & Professionalism
With our collective decades of mortgage experience, we’re here to serve you competently and professionally.

3 $0.00 Lender Fees
By offering zero lender fees to our fellow first responders, we strive to deliver unparalleled value to our community.

Meet The Crew

Peter J. Billera
Peter J. BilleraBank of England Mortgage Branch Manager NMLS# 1521017
For as long as he could remember, Peter was drawn to emergency services and helping others.

He served as a full-time FF/EMT with Palm Beach County (FL) Fire-Rescue and as a volunteer firefighter with Jericho (NY) Fire Department.

In 1996, during his tenure with Palm Beach County, Peter became licensed as a mortgage broker and began helping firefighters, police officers, and other county employees with their mortgages.


Ryan Sessums
Ryan SessumsLoan Originator NMLS# 190707
I have been a firefighter for the past 15 years, and seven years ago I began working as a loan officer. After hearing mortgage horror stories from fellow firefighters, I began originating mortgages for Texas Firefighters. My mission was to give Texas firefighters the best mortgage experience possible.

I personally help each client fully understand all aspects of the loan process and let them know what to expect from the beginning. I look forward to learning how I can help you and yours with your mortgage needs.


Steven Brown
Steven BrownBank of England Mortgage Branch Manager NMLS# 1521017
Thirty years ago I started doing mortgage loans. Eighteen years ago I joined MCVFD in Sedalia, CO (southwest of Denver). Four years later I advanced to Fire Chief running a district with 30 firefighters, as well as EMT rescue services. A majority of our 911 calls are Wildland Fires and rescue services using helicopters and flight for life incidents. I can’t express the satisfaction of saving a life.

Firefighters and first responders are the best people in the world and it is a pleasure to combine my talents to help responders with excellent mortgage loan services. I am excited to join the Firefighter Mortgages and Bank of England team. I look forward to working with First Responders and their families.


James Mergenthaler
James MergenthalerLoan Originator NMLS# 1150600
Jim Mergenthaler’s humble beginnings originated on a dairy farm in the mountains of Upstate New York. It was this independent country background that taught him the value of hard work, and the strength and bond of family, assets which would later be a great advantage for Jim’s career as an industry professional.

While studying finance in college, Jim also obtained his mortgage broker license. He began his real estate career at a local firm as a lone broker, soon growing that into its own office. Shortly after leaving that company, Jim founded his own mortgage brokerage business and obtained his real estate license as well as life, health, and annuities insurance license. Working almost exclusively with international buyers for many years, he obtained his real estate brokers license and effectively ran a one-stop-shop.


Are You Our Next Crew Member?
Are You Our Next Crew Member?We're Growing...
If you are a Firefighter/ First Responder and would like to make a difference by helping First Responder families with their mortgage needs, please contact us. Thanks and stay safe!