Composite
$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 number.
A real person
answers.
You describe the deal. I shop the panel. In about 15 minutes you'll know whether it pencils — and what the rate and payment realistically look like. No call center. No hand-off. Direct broker, licensed in California since 2015. Not a commitment to lend.
NMLS #1858674CA DRE #01979442CCIMLicensed since 2015
10+
Years licensed
60+
Loan programs
9
SoCal counties
2
Languages
Composite Scenarios
Scenarios I place.
Illustrative composites of the kinds of placements Francisco runs across Southern California. Numbers, programs, and circumstances reflect typical scenarios but do not depict specific transactions. Real closings replace these as borrowers provide written consent.
Composite illustrations · Not real transactions · 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.
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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.
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Investor & Bridge
DSCR rental loans, fix & flip, ground-up construction, and bridge financing for real estate investors and BRRRR strategy.
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Commercial
SBA owner-user, agency multifamily, NNN credit-tenant, and private-capital bridge for commercial real estate.
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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, get a free quote 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 — based on a reviewed scenario, not an automated form. It signals seriousness; it isn't a commitment to lend, and full approval still runs through underwriting and 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.
My Guarantees
What I commit to — every deal.
These aren't marketing slogans. They're the commitments I make to every borrower, every deal. If I don't deliver, you'll know before I do.
I answer — or text back within the hour
(213) 880-8107 rings to me directly. No queue, no SDR, no "someone from our team will reach out." If I'm in a closing, I text back inside 60 minutes during business hours.
Straight pricing — no surprise at lock
If my scenario quote was based on accurate information and the market hasn't moved by lock, you get the number we discussed. If it changes, I show you exactly why before you decide. I won't quote a rate I can't stand behind.
If it doesn't close, you pay nothing
No junk fees. No application fee. No commitment fee. If I can't get the loan to the finish line, you owe me exactly zero.
Pre-qual letter within 24 hours
Submit a complete scenario and you'll have a written pre-qualification letter within one business day — based on a reviewed scenario, not an automated form. It's a credible signal to a listing agent, not a commitment to lend; full approval is subject to underwriting, verified documents, and appraisal.
If I'm not the right broker, I'll tell you
If your scenario doesn't fit my panel — wrong geography, wrong product type, or a better specialist exists — I'll refer you directly. No ego, no games.
Full transparency on comp
You see the wholesaler rate sheet, the comparison, and where my compensation comes from. I don't hide the math — I show it.
These commitments govern how I work — not loan approval. All loans are subject to credit approval, income and asset verification, and appraisal. Not a commitment to lend.
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. He operates through Elite Fundings, 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. Residential: 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), and investor financing (DSCR, fix & flip, bridge, construction). Commercial: commercial real estate loans and SBA financing (SBA 7(a), 504, agency multifamily, NNN credit-tenant), 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. 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. This is not a commitment to lend; all loans are subject to credit approval, income and asset verification, and property appraisal.