Bill Ferrall

Branch Manager

NMLS: 231483

  • (775) 376-7348
  • (775) 830-7113
  • (775) 562-4780
  • 880 Northwood Boulevard, Suite 2(O)
  • Incline Village, NV 89451

Welcome to my website

Bill Ferrall is a 24-year veteran of mortgage lending here in Northern Nevada.  Having started his career in 1992, in the East Bay Area of Northern California, and moving to Incline Village in 1994, he is well versed in complicated transactions.  Bill specializes in self-employed buyers, 1031 exchanges and Second Home purchases of multimillion-dollar homes in Lake Tahoe.  Lending today, with all income types, especially the self-employed, takes a level of understanding not often found in loan originators.  Bill knows the options available and has been known to step into transactions that were declined by big bank lenders and secure financing for these complicated loans.

When asked “What is your favorite part of being a lender”, he responded: “Helping homebuyers understand their options, structuring loans to meet specific financial goals and helping first time homebuyers.  Nothing gives me more joy that hearing “Thank you so much for making this dream a reality for my family.””

Mortgage underwriting has become quite cumbersome since the financial collapse in 2008, the implementation of the Dodd Frank Act and specifically the Ability to Repay rules.  Most lenders have taken an overly conservative approach, telling well qualified buyers they are unable to help them because they are self-employed, or their tax returns need two years history thus preventing them from getting a loan.  Bill has answers to most of those situations and can often find solutions no one else can.

You owe it to yourself to speak to an industry veteran that has seen many cycles in Real Estate and Lending practices.  Give Bill a call today and explore together what is possible for your unique situation.

Stop! Don't Delay Closing Your Loan With These Mistakes
Stop! Don't Delay Closing Your Loan With These Mistakes
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You found the dream house, got approved for a mortgage at a payment you can afford and are now just waiting to close. Time to take it easy --maybe start shopping for new appliances or even look into taking that new job that's closer to your new... Read More
It Might Be Better To Skip The Starter Home --Here's Why
It Might Be Better To Skip The Starter Home --Here's Why
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The Exciting Possibilities of a VA Cash-Out Refi
The Exciting Possibilities of a VA Cash-Out Refi
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If you’re a veteran, you have several options for refinancing --ones that work differently than a streamline refi. With a VA cash-out refi, veterans like you can take out some of the equity and use it however you want. Just like any other big... Read More
In the News: Feds Target No-Money-Down Home Loan Programs
In the News: Feds Target No-Money-Down Home Loan Programs
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Although no specific changes have gone into effect, the U.S. Department of Housing and Urban Development is asking national groups to hold off on lending down payments to FHA home buyers. The reason? Feds say that buyers who don't supply their down... Read More