Home and investment loans in California
Home loans,
with a plan.
Tell me about the property and what you want to accomplish. I compare available programs and explain the documents, costs and next steps.
An inquiry only. No credit pull. All financing is subject to lender approval.
Residential mortgages through Elite Fundings, a DBA of Vismar Corporation (NMLS #2046870).
Francisco Williams, CCIM. NMLS #1858674. CA DRE #01979442. Licensing and disclosures
Find your starting point.
Your property, income and loan purpose shape the options. Explore the programs, then talk through what fits your file.
View all loan programsKnow what comes next.
I broker the loan and help you understand the process, from the first conversation through lender review.
Read the loan processShare the scenario
The property, loan purpose, income and timeline give us a starting point. Tell me what you want to accomplish and the questions you want answered.
Compare the options
Review the proposed rate, APR, lender and broker charges, third-party costs, and lock conditions. Terms can change as the file and market change.
Prepare for lender review
The document checklist depends on your income, property and program. A pre-qualification or pre-approval remains subject to its stated conditions. The lender makes the credit decision.
All loans are subject to credit approval, income and asset verification, and appraisal. This is not a commitment to lend.
A little preparation helps.
Browse the guidesExplore principal, interest, property tax and insurance.
Payment, affordability, refinance and rental-property calculators.
Share your scenario, then see the typical documents for that path.
Before we talk.
Serving Southern California, with residential mortgages brokered through Elite Fundings and its disclosed office in Covina.
Explore the service areas- Does Francisco Williams work with borrowers throughout Southern California?
- Yes. Francisco serves borrowers across Southern California, including the San Gabriel Valley, Los Angeles, Orange County, and the Inland Empire. His individual identifiers are CA DRE #01979442 and NMLS #1858674. Residential mortgages are arranged through Elite Fundings, a DBA of Vismar Corporation.
- What types of mortgages does Francisco Williams offer?
- Explore conventional, FHA, VA, jumbo, non-QM, bank-statement, and investor financing options. Program availability and fit depend on the borrower, property, loan purpose, and lender review. Commercial and SBA financing are arranged by Francisco directly under his CA DRE broker license.
- What's his NMLS ID and how can I verify his license?
- Francisco's NMLS ID is 1858674. For residential loans, he is licensed through Vismar Corporation (NMLS #2046870), doing business as Elite Fundings. Commercial real estate financing is arranged by Francisco individually under his CA DRE broker license (#01979442). You can verify his licenses anytime at NMLS Consumer Access or the CA DRE license lookup.
- Does Francisco work with first-time home buyers and self-employed borrowers?
- Yes. First-time buyers can explore conventional, FHA, and down-payment assistance options. Self-employed borrowers can review full-documentation and alternative-documentation paths, including bank-statement programs. Eligibility, documentation, and program availability require an individual review.
- Does Francisco Williams finance ADUs in Los Angeles?
- Yes — two stacks on this site, on purpose. Owner-occupied HomeStyle, FHA 203(k), cash-out, and HELOC paths are brokered through Elite Fundings. Private money / hard money ADU construction is business-purpose capital at /private. Start at /adu-financing.
- 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. Include your loan purpose and preferred way to connect.
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.