Does Francisco Williams work with El Monte homebuyers?

Yes — El Monte is part of our core Southern California service area. I'm licensed throughout California (NMLS #1858674, CA DRE #01979442) and have placed loans across El Monte and surrounding Los Angeles County neighborhoods. Call or text (213) 880-8107 to discuss your scenario.

What loan programs work well in El Monte?

Flatter east SGV. FHA, CalHFA, and ITIN for occupancy. 2–4 rentals are DSCR or conventional investment — occupancy has to be named. The programs that fit best locally include: FHA 30-Year Fixed, CalHFA MyHome Assistance, ITIN Mortgage, DSCR Rental Loan.

All Service Areas

Los Angeles County

El Monte Mortgage Broker.

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

Mortgage lending in El Monte — first-time FHA, CalHFA, ITIN, and 2–4 investor files in the San Gabriel Valley.

Francisco Williams · NMLS #1858674 · CA DRE #01979442

Apply for a El Monte loan Talk to Francisco

About the El Monte market

Flatter east SGV. FHA, CalHFA, and ITIN for occupancy. 2–4 rentals are DSCR or conventional investment — occupancy has to be named.

Neighborhoods I serve in El Monte

Downtown El MonteNorwoodMountain ViewFive Points

Common ZIP codes: 91731, 91732.

Programs that fit El Monte best

Government — FHA

FHA 30-Year Fixed

HUD-insured mortgage with low down payment and flexible credit requirements.

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DPA — California

CalHFA MyHome Assistance

California Housing Finance Agency deferred-payment junior loan for down payment or closing costs, up to 3% of purchase price.

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Alt-Doc — Non-Resident

ITIN Mortgage

Home financing for borrowers with an Individual Tax Identification Number (ITIN) instead of SSN.

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DSCR

DSCR Rental Loan

Qualify a rental property on the property's own cash flow — no personal income documentation.

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FAQs — El Monte mortgage financing

Does Francisco Williams work with El Monte homebuyers?: Yes — El Monte is part of our core Southern California service area. I'm licensed throughout California (NMLS #1858674, CA DRE #01979442) and have placed loans across El Monte and surrounding Los Angeles County neighborhoods. Call or text (213) 880-8107 to discuss your scenario.
What neighborhoods in El Monte do you serve?: Across all of El Monte — including Downtown El Monte, Norwood, Mountain View, Five Points. Common ZIP codes: 91731, 91732.
What loan programs work well in El Monte?: Flatter east SGV. FHA, CalHFA, and ITIN for occupancy. 2–4 rentals are DSCR or conventional investment — occupancy has to be named. The programs that fit best locally include: FHA 30-Year Fixed, CalHFA MyHome Assistance, ITIN Mortgage, DSCR Rental Loan.

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.