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.

Locked vs Floating Mortgage Rate: Which Is Better?
Locked vs Floating Mortgage Rate: Which Is Better?
Oct 9 2019   first time buyer first home first mortgage home loan apply for a first home loan
Mortgage rates have been relatively consistent, but don't let that get you too comfortable. Rates are changing all the time  --by how much, and whether it will be in your favor, we cannot say. We can make intelligent guesses, but we can't... Read More
Financial Benefits of Buying a Home in a College Town
Financial Benefits of Buying a Home in a College Town
Oct 2 2019   first time buyer first home first mortgage home loan investment property
Even if you’re done with college or if your children are years away from higher education, there are still many benefits to living in a college town. And don’t think that college towns are all small towns. College towns can be as urban as... Read More
Should You Buy A Fixer-Upper? How To Tell If It's Right For You
Should You Buy A Fixer-Upper? How To Tell If It's Right For You
Sep 25 2019   FHA(k) loan Fannie May Mystyle home finance loan remodeling home loan renovation loan
Buying a home that needs significant renovation sounds like a nightmare to some --and a dream come true to others. With renovation reality TV, America has romanticized the idea of buying a fixer-upper and making over their home. But as satisfying as... Read More
How To Tell If A Home Is 'Move-In' Ready
How To Tell If A Home Is 'Move-In' Ready
Sep 18 2019   first time buyer first home first mortgage home loan apply for a first home loan
If you’re home shopping, you’ve probably seen or heard the phrase “move-in ready” in the property description. But what does “move-in ready” really mean and how can you tell if a property that “shows... Read More