Property
Is this a home you will live in, or a 1–4 unit rental? Bring the address, unit count, and how the property will be used.
Southern California
Residential and
commercial lending.
Francisco Williams is the resource for residential and commercial lending. He arranges the loan. Lenders fund it.
PropertyCapitalNext move
California broker DRE #01979442Mortgage loan originator NMLS #1858674
Licensing & disclosuresPlanning questions
What are you financing?
Choose the file. These are the questions I would bring before a program name.
Capital
Are you buying, refinancing, or taking cash out? For a rental, bring the rent or a rent schedule and how it relates to the payment.
Next move
What decisions or deadlines are ahead? Share timing, reserves, and whether the loan will be in your name or an entity.
A financing question, considered from both sides
Keep the first mortgage.
Or replace it?
When you need additional funds, the existing loan matters. Compare the whole structure: payments, costs, remaining term, and how long you expect to keep the property.
KeepExisting first mortgageExisting balance and terms
AddA separate second loanNew balance, rate, and payment
Keep the first. Compare the combined cost.
Review both payments and the terms of each loan. A lower rate on the first mortgage alone does not tell you the cost of the combined borrowing.
Explore the blended-rate calculatorReplaceOne new first mortgageNew balance, terms, and closing costs
Replace the first. Compare the full timeline.
Review closing costs, the new term, and total interest. A smaller monthly payment can come with a longer repayment period.
Explore the refinance calculatorFurther reading: CFPB on second mortgages and mortgage terms (opens new tabs).
From Francisco
The right questions
change the conversation.
A loan program is one part of the decision. I want to understand the property, the purpose of the loan, and what could change along the way. Then we can talk about the financing that fits.
Francisco Williams.CCIM · California broker
Mortgage loan originator
Meet Francisco and verify credentialsMortgage loan originator
Start with the property.
Two lending desks. Pick the one that matches the asset.
Residential
Program pages describe how files are reviewed. They are not a rate quote or a commitment to lend.
Use Francisco as the resource.
Read first. Then bring the property to the conversation.
How a rate gets quoted
This site does not publish a live rate sheet. A number you can lock starts with the file, not a table.
Read the rates noteRun the numbers
Payments, affordability, refinance, and DSCR. Planning tools, not loan quotes.
Open the calculatorsRead a guide
Purchase, refinance, self-employed, jumbo, VA, and 1–4 rental files.
Open the guidesRefer a client
A starting point for agents and advisers with a financing scenario to discuss.
Visit the referral deskSelf-Employed Mortgage Options in California (2026)
Non-QM · 2026-04-17
Read the noteVA Loan California: Complete 2026 Guide for Veterans and Active Duty
Government · 2026-04-17
Read the noteJumbo Loan Requirements in Southern California: 2026 Guide
Jumbo · 2026-04-17
Read the noteTalk with Francisco or call (213) 880-8107.
What number do I call?
Call Francisco Williams directly at (213) 880-8107. Email Francisco@elitefundings.com. Forms and applications on this site go to him — not a branch queue.
Contact FranciscoHow can Francisco Williams help me?
Francisco Williams, CCIM is a California mortgage loan originator (NMLS #1858674) and broker (DRE #01979442). He arranges residential and commercial loans. Lenders fund them. Call (213) 880-8107. Residential mortgages, including 1–4 unit rentals, are arranged through Elite Fundings. Commercial and SBA loans are arranged by Francisco under his California broker license.
About FranciscoWhere should I start for a residential loan?
Start with residential lending for a home purchase, a refinance, or a 1–4 unit rental, including DSCR. Call (213) 880-8107. Residential mortgages are arranged through Elite Fundings, a DBA of Vismar Corporation. Program eligibility depends on the loan, the property, and lender review.
Explore residential loansWhere should I start for a commercial loan?
Commercial loans on this site cover owner-user property, income property, and SBA financing. They are arranged by Francisco under his California broker license, CA DRE #01979442. Call (213) 880-8107. Financing is subject to lender review and approval.
Start a commercial scenario reviewIs this a listing site?
No. This site arranges residential and commercial loans. It does not list homes for sale or offer commercial brokerage. Commercial brokerage is a separate practice at williamscap.ai.
Start with lendingWhat if I am not sure where to start?
Share what you are trying to finance and the property involved. Francisco can help identify which loan conversation fits. Use the contact form for an initial conversation; do not include Social Security numbers, bank details, or other sensitive documents.
Start a conversation