How fast can Francisco pre-qualify my buyer?

A 15-minute call gives a verbal read; a written pre-qual letter typically follows within 24 hours of a complete scenario. Rush situations — competing offer, weekend open house — call or text (213) 880-8107 directly and say it's time-sensitive.

Does Francisco protect the agent relationship?

Yes. The referral flow runs through you: submit the scenario with YOUR contact info, Francisco calls you first, and you make the warm intro to your client. Status updates go to both you and the buyer through closing.

What makes a broker better for my buyers than a retail lender?

One lender has one guideline set and one rate sheet. Francisco shops a panel of wholesale lenders, which matters most for the buyers agents usually struggle with — self-employed, credit events, jumbo, investors. And broker compensation is lender-paid and disclosed, so it's not more expensive for the buyer.

Can I use this page in front of my client?

That's what it's for. The county-limit lookup and payment calculator are buyer-safe — run the numbers together on your laptop or phone during the consult.

For Real Estate Agents

The buyer-consult toolkit.

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Bookmark this one page. County loan limits, program fit, and live payment math — answerable while your buyer is still in the room. When the scenario needs a lender, the handoff takes 30 seconds and the relationship stays yours.

Call (213) 880-8107 Text the scenario Present mode

Tool 01

"What's the loan limit here?"

2026 conforming limits for all 58 California counties, from FHFA's official dataset. The answer decides conforming vs high-balance vs jumbo — and that decision is frequently worth a quarter point.

Full county table

County

1 unit

$1,249,125

2 units

$1,599,375

3 units

$1,933,200

4 units

$2,402,625

High-cost ceiling county. Above $1,249,125 on one unit → jumbo territory. 2026 FHA range: $541,287 floor to $1,249,125 ceiling (county-specific — call to confirm).

Tool 02

"Which loan fits this buyer?"

Six buyer archetypes cover most consults. Each card links to the deep-dive if your client wants to read more after the meeting.

First-time, limited savings

FHA 3.5% down or Conventional 3% — then stack CalHFA / county DPA on top. Often under $5K out of pocket.

DPA directory

Self-employed, writes everything off

12/24-month bank-statement loan — qualifies on deposits, not the Schedule C. 10-20% down.

Self-employed guide

Investor buying rentals

DSCR — the property's rent qualifies, not their W-2. Closes in an LLC, no cap on financed doors.

DSCR guide

Luxury / above county limit

Jumbo — sometimes prices BELOW conforming. 10%-down options exist to ~$2M for strong files.

Jumbo guide

Veteran or active duty

VA beats everything: 0% down, no monthly MI, no loan limit with full entitlement. Always check the COE first.

VA guide

Told 'no' by their bank

A bank has one guideline set; a broker has a panel. Credit events, ITIN, non-warrantable condos — usually placeable.

Non-QM programs

Tool 03

"What would the payment actually be?"

Full PITI — principal, interest, tax, insurance, MI, HOA. Run it together on screen. No email gate, ever.

Inputs

Home price

Down payment (20.0%)

Interest rate

Term (years)

Property tax (per year)

Homeowners insurance (per year)

HOA (monthly)

MI (monthly)

Monthly payment

$5,579

PITI total · 30-yr term

Principal + Interest$4,410

Property tax$885

Insurance$283

Loan amount: $680,000

The 30-second handoff

Send the scenario. Keep the relationship.

Your contact info, one line on the buyer — no client details needed. Francisco calls you first, usually within the hour, and you make the warm intro. Pre-qual letters your listing-side counterpart will respect, typically within 24 hours of a complete scenario.

How fast can Francisco pre-qualify my buyer?: A 15-minute call gives a verbal read; a written pre-qual letter typically follows within 24 hours of a complete scenario. Rush situations — competing offer, weekend open house — call or text (213) 880-8107 directly and say it's time-sensitive.
Does Francisco protect the agent relationship?: Yes. The referral flow runs through you: submit the scenario with YOUR contact info, Francisco calls you first, and you make the warm intro to your client. Status updates go to both you and the buyer through closing.
What makes a broker better for my buyers than a retail lender?: One lender has one guideline set and one rate sheet. Francisco shops a panel of wholesale lenders, which matters most for the buyers agents usually struggle with — self-employed, credit events, jumbo, investors. And broker compensation is lender-paid and disclosed, so it's not more expensive for the buyer.
Can I use this page in front of my client?: That's what it's for. The county-limit lookup and payment calculator are buyer-safe — run the numbers together on your laptop or phone during the consult.

Residential: Francisco Williams · NMLS #1858674 · CA DRE #01979442 · Elite Fundings, a DBA of Vismar Corporation · NMLS #2046870 · CA DRE #02004333 | Commercial financing arranged by Francisco Williams, CCIM · CA DRE #01979442. 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. This is not a commitment to lend; all loans are subject to credit approval, income and asset verification, and property appraisal.