William Ratchford

NMLS# 2805043Residential Loan Officer

Apply Now

About

Residential Loan Officer Will Ratchford has been around the lending and service industries most of his life. His father ran a mortgage brokerage, giving Will a behind-the-scenes look at the important work that goes into helping people achieve the dream of homeownership. Guiding people through the lending process while building friendly relationships is what he values most about his role. He serves his clients with integrity and consistent communication—skills he's used throughout his career.

When not serving his clients, Will enjoys hiking and biking on the Boise River Greenbelt. He's also a fan of history and trivia. Ask him anything!

Ready to achieve your dream of homeownership? Give Will a call today.

Featured

First-time homebuyer loans

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through our many home buying programs. Contact us today – our specialists are ready to start this journey to homeownership together.

First-Time Homebuyer

A woman in business attire in a modern office.

Answering your homebuying questions

Becoming a well-informed buyer is important. We make it simple. Our residential loan officers are here to answer your home financing questions and prepare you for homeownership through our seminars and workshops.

Homebuyer Education

Your home can help you achieve your dreams

Have major expenses on the horizon, like a remodel or college tuition? As a homeowner you can borrow against the equity in your home while keeping your first mortgage intact. Ask us how a fixed-rate second mortgage can help.

Second Mortgage

* Subject to credit approval and limited to properties located in Washington, Oregon, Idaho or California. View a list of Banner Bank'sMortgage Loan Originators National Mortgage Licensing System ID numbers.