Profile picture for Bill Marshall

  • MerchantsHomeLending

Bill Marshall
Chief Relationship Officer (24 years experience)


VA Purchase and Refinance Expert

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As a California based VA Approved mortgage company focused exclusively on CA transactions, Merchants specializes in quick, thorough approvals to help your offer get accepted in this very difficult and competitive market. Our interest rates are the lowest in the marketplace with the highest lender credits and the quickest closing process.  Focusing exclusively on  VA transactions, many in the industry consider us to be VA experts.  Avg days to close - 21 days.  In 2013 Merchants closed 97% of the Pre-Approved loans that made it in to escrow. 

For a VA eligible borrower seeking to refinance an existing mortgage, we offer 2 excellent programs with incredible interest rates.  If your current loan is VA, then you may qualify for our streamline refinance program (also known as the IRRL).  This program requires no income documentation, no appraisal and most of the time no closing costs.   You may qualify even if your home is underwater.   If your current loan is not a VA loan, you can borrow up to 100% of the appraised value at interest rates that are .5% below conventional rates and no monthly mortgage insurance.  This is a perfect loan for borrowers that owe more than 80% of the homes value.

I proudly celebrate my 23nd year in the mortgage industry and have participated in over 1 Billion dollars in closed loans during my career. I enjoy helping people from all walks of life with the purchase of a home and offer free consultations for anyone wishing to utilize my experience.  I will also engage directly with the listing agent to assist your agent in getting your offer accepted. Over 90% of the contracts that get me involved with the listing agent get accepted.  If you do not currently have an agent, I have worked with some of the best real estate professionals in CA and would be happy to refer you to someone.

When I'm not assisting our nations finest and bravest with their home financing needs, I keep busy stand-up paddleboarding, hiking, biking, sailing, playing tennis, skiing, cooking and spending time with my wife and 2 dogs.

We have offices conveniently located in San Diego, Sacramento, Bay Area and Tahoe/Truckee.
Ratings & Reviews
- Highly likely to recommend
08/12/2014 - n smitty23
Closed purchase loan. Chino Hills, CA
I bank with USAA, but after shopping around for the best interest rates for a VA loan, I decided to go with Bill Marshall--what a great decision. He's extremely knowledgeable about the VA loan process and he was able to guide my realtor in building a very attractive purchase agreement. Additionally, he and Karen Alexander were super responsive. Their all hands on deck approach got me through the escrow process in only 3 weeks. Overall, very positive experience for a first-time homeowner. Thanks, Bill and Karen.  MoreLess
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- Highly likely to recommend
08/11/2014 - jaiandtonsdad
Closed purchase loan.
I would like to commend Bill and Karen on a job well done on getting my wife and I our loan for our house. We used the VA loan to purchase our first house and the experience was second to none. Bill and Karen stuck with us the whole way even though we had some problems on our end. Just when we thought the loan wasn't going to go through, Bill and Karen got us our funding. Great team and I would recommend them to anyone going to purchase a home. Thanks to them we are now proud owners of a home. Thanks Bill and Karen.  MoreLess
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- Highly likely to recommend
07/31/2014 - paul osborne68
Closed purchase loan. Lake Elsinore, CA
We switched our lender over to Merchants Home Lending after our previous lender mishandled the appraisal process and almost cost us the purchase of our new home. Karen Alexander was quick to point out what could be done to save the purchase ans was able to get us closed in about a week after switching to them as the new lender. Karen's knowledge, skill, and diligence were nothing short of amazing! I am a retired veteran and set the bar fairly high in regard to customer service, her attention to detail and tenacity are an example for all lenders to follow! Well done Merchants Home Lending!  MoreLess
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Professional Information
Bill Marshall
Merchants Home Lending
7825 Fay Avenue Ste. 200
La Jolla, CA  92037
(619) 268-1414
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