Meet Francisco Williams, CCIM.

I got my California real estate salesperson license on June 2, 2015 — the same year a lot of California buyers were getting locked out by rising prices and a lot of owners were sitting on 3% mortgages wondering what to do next. Ten years and a broker license later (December 16, 2016), that landscape has only gotten more complicated: conforming limits keep creeping up, non-QM programs keep multiplying, rates keep whipsawing, and the average mortgage borrower still has no one to actually explain it to them.

That's the gap I work in.

I broker — I don't lend. That distinction matters. A direct lender has one set of guidelines, one rate sheet, and one answer. A broker has a panel of wholesalers and can match the deal to the program that actually fits. In a typical month I'll place a 580-FICO FHA buyer, a self-employed CPA on a 12-month bank statement loan, a DSCR investor cashing out of a Long Beach duplex, and an SBA 7(a) for a restaurant owner buying his building — across four different wholesalers. One broker. Four programs. Four problems solved.

My service area is all of Southern California — every county from Ventura to San Diego, from the coast to the Inland Empire. I'm bilingual in English and Spanish. I'm licensed through Elite Fundings, a DBA of Vismar Corporation (NMLS #2046870, CA DRE #02004333), headquartered in Covina with branches in La Puente, Long Beach, and Downey.

What I actually do differently

• I answer my phone. (213) 880-8107 rings directly to me. Not a queue. Not a virtual assistant. If I'm in a closing I'll text you back inside the hour.
• I show the math. I'll walk you through the rate sheet, the wholesaler comparison, and where my compensation comes from. If another LO is beating my pricing, I want to know why — and I'll tell you if they're right.
• I won't quote what I can't deliver. Rate-bait is the oldest trick in the industry. The rate I quote you is the rate I can lock — or I don't quote it.
• I say no more than yes. If your scenario doesn't pencil, I'll tell you why and what you could do about it. Sometimes the honest answer is "wait six months and save another $20K." I've said that many times. I'll keep saying it.
• Bilingual. English and Spanish — start to close.

Who this works for

First-time California buyers who need someone to explain CalHFA vs. FHA vs. conventional 3% down without making it feel like rocket science. Self-employed borrowers whose tax returns understate their real income and need bank-statement or P&L programs. Real estate investors building rental portfolios who've outgrown conventional Fannie and need DSCR or portfolio loans. Small business owners buying owner-user commercial real estate on SBA 7(a) or 504. And anyone who has been told "no" by someone else and wants a second read.

What it costs to find out

Nothing. Call or text (213) 880-8107. I'll ask you five questions and tell you in 15 minutes whether the loan closes, what the rate and payment look like, and what the next step is. If it's not going to close, I'll tell you that too.

Verify me

I want you to verify my license — it's the point of a regulated industry. NMLS Consumer Access #1858674 · CA DRE #01979442.

FAQ

Will I actually talk to Francisco, or to a call center?

Directly to Francisco. (213) 880-8107 rings to his cell. If he's in a closing, he texts back within the hour. No SDR, no junior processor handoff once a file is open — one broker from pre-qual to funding.

Is using a broker more expensive than going direct to a lender?

No — and often less. Broker compensation in a mortgage transaction is paid by the wholesale lender (lender-paid comp), disclosed on your Loan Estimate. Because a broker shops multiple wholesalers, the borrower often gets a lower rate or lower costs than going direct to a single retail lender.

What areas of California do you serve?

All of Southern California — Los Angeles, Orange, San Bernardino, Riverside, Ventura, San Diego, Santa Barbara, Kern, and Imperial counties. Loans originated in California only.

How long has Francisco been licensed?

Francisco has been continuously licensed in California real estate since June 2, 2015, as a salesperson, and since December 16, 2016, as a broker. His NMLS mortgage loan originator license is #1858674. All of this is publicly verifiable at NMLS Consumer Access and the California DRE license lookup.

What languages does Francisco speak?

English and Spanish. Full bilingual service from scenario review through closing.

Who is Vismar Corporation?

Vismar Corporation is the licensed mortgage and real estate brokerage that sponsors Francisco (NMLS #2046870, CA DRE #02004333). Elite Fundings is Vismar's DBA for its mortgage line. Headquartered at 552 E Badillo St, Covina, CA 91723, with branches in La Puente, Long Beach, and Downey.

What if I've already been told 'no' by another lender?

That's often when the call to a broker makes the most sense. A direct lender has one set of guidelines; a broker shops a panel of wholesalers, each with their own overlays and product lineup. A 'no' from a big-box retail lender is often a 'yes' at a non-QM wholesaler — or vice versa. Always worth the second read.