Just Funded
$960K
24-Month Bank Statement
Pasadena · Bungalow Heaven
Self-employed CPA whose Schedule C showed $72K net. Bank deposits averaged $28K/month. Placed at 80% LTV — 2.5x the loan amount conventional would have allowed.
Elite Fundings · Mortgage Broker
60+ loan programs.
One broker.
One phone number
I actually answer.
Licensed California mortgage broker since 2015. I place loans across every major program — conventional, FHA, VA, jumbo, non-QM, DSCR, and commercial — throughout Los Angeles, Orange County, Inland Empire, San Diego, and Ventura.
NMLS #1858674CA DRE #01979442CCIMEst. 2015
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Years licensed
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Loan programs
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SoCal counties
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Languages
Selected Work
Recently funded.
A sample of scenarios placed across Southern California. Every story anonymized and representative — specific identifying details never published without written consent.
Representative scenarios · Not all applicants will qualify
What I Place
Every major program.
One panel of wholesalers.
As an independent California broker with access to a wide panel of wholesale lenders, I match each scenario to the program that actually fits — from first-time buyers through institutional commercial deals.
Conventional & Government
Traditional financing — Fannie Mae, Freddie Mac, FHA, VA, USDA, and jumbo programs for primary residences and second homes.
View programs
Non-QM & Alternative Doc
For self-employed borrowers, complex income, or recent credit events — bank statement, 1099, P&L, asset depletion, ITIN, and foreign national options.
View programs
Investor & Bridge
DSCR rental loans, fix & flip, ground-up construction, and bridge financing for real estate investors and BRRRR strategy.
View programs
Commercial
SBA owner-user, agency multifamily, NNN credit-tenant, and private-capital bridge for commercial real estate.
View programs
Service Area
From the coast to the Inland Empire.
Licensed across California. Headquartered in Covina with branches in La Puente, Long Beach, and Downey. Direct service from Beverly Hills to San Diego, Santa Monica to San Bernardino.
Los AngelesLong BeachPasadenaSanta MonicaBeverly HillsGlendaleBurbankWest CovinaCovinaLa PuenteDowneyAnaheimSanta AnaIrvineNewport BeachHuntington BeachRiversideSan Bernardino+ 8 more
Tools
Run the numbers before the call.
Seven free calculators. Nothing you enter leaves your browser. When you're ready for a real scenario, start an application or call directly.
Process
How I work — call to keys.
Five steps from the first phone call to the wire. Every one of them runs through me directly — not a queue, not a portal, not a junior processor.
01
The 15-minute call
You tell me about the deal — property, income, timeline, credit range. Five questions, roughly 15 minutes. I'll tell you whether the loan closes, what the rate and payment look like, and which program fits. If it's not going to close, I'll tell you that too.
02
Scenario match
I shop across my wholesaler panel — conventional, FHA, VA, jumbo, non-QM bank statement, DSCR, SBA — and pull 2–3 live rate quotes side by side. You see the math, not just the marketing number.
03
Pre-qualification letter
Within 24 hours of a complete scenario, you have a written pre-qual letter your listing agent will actually respect. Not a form pre-qual — an underwritten commitment conditioned on verified docs.
04
Underwriting, concierge
Once under contract, I run the file end-to-end — no handoff to a junior processor. Every condition, every update, every missed appraisal window: handled directly. You get status by text, not a portal nobody reads.
05
Funding day
Your rate is locked. Conditions are cleared. Docs are signed. The wire goes out. You get the keys. No last-minute surprises, no missed closing dates — because problems were flagged on day one, not day thirty.
Differentiation
Why borrowers choose a broker over a retail lender.
I answer my phone
(213) 880-8107 rings to me. No queue, no SDR, no virtual assistant. In a closing? I text back within the hour.
I show the math
You see the rate sheet, the wholesaler comparison, and where my comp comes from. Transparency, not trickery.
Broker, not lender
A lender has one set of guidelines. I shop a panel — your scenario matches the program, not the other way around.
No over-promise
I won't quote a rate I can't deliver at lock. If your loan doesn't pencil, I'll tell you why and what would fix it.
Frequently Asked
What borrowers ask before the first call.
- Does Francisco Williams work with borrowers throughout Southern California?
- Yes. Francisco is licensed by the California Department of Real Estate (DRE #01979442) and registered with NMLS (#1858674), serving all of Southern California — including Los Angeles County, Orange County, San Bernardino County, Riverside County, Ventura County, and San Diego County. His brokerage is headquartered in Covina with branches in La Puente, Long Beach, and Downey.
- What types of mortgages does Francisco Williams offer?
- Francisco brokers across a wide panel of wholesalers, which means he can place virtually every program available in California. Conventional agency (Fannie / Freddie), government (FHA, VA, USDA), jumbo and super jumbo, non-QM alt-doc programs (bank statement, 1099, P&L, asset qualifier, ITIN, foreign national), investor financing (DSCR, fix & flip, bridge, construction), and commercial real estate loans (SBA, agency multifamily, NNN credit-tenant).
- What's his NMLS ID and how can I verify his license?
- Francisco's NMLS ID is 1858674. He is licensed through Vismar Corporation (NMLS #2046870), doing business as Elite Fundings. You can verify his license anytime at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1858674.
- Does Francisco work with first-time home buyers and self-employed borrowers?
- Yes. For first-time buyers he offers FHA, conventional 3% down (HomeReady / Home Possible), and California-specific down-payment assistance programs (CalHFA MyHome, CalHFA Dream For All). For self-employed borrowers, he has deep experience with 12- and 24-month bank statement loans, 1099-only, P&L-only, and asset-qualifier programs — especially useful when tax returns understate real income.
- How do I contact Francisco Williams?
- Call or text (213) 880-8107, email Francisco@elitefundings.com, or reach out through the contact form at https://www.franciscowilliams.com/contact. Typical response time is within one business day.
Ready when you are
Tell me about the deal.
15 minutes. Five questions. A real answer. If the loan closes, I'll tell you how. If it doesn't, I'll tell you that too — and what would change it.
Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.