San Bernardino County
Fontana Mortgage Broker.
Mortgage lending in Fontana — Inland Empire first-time, VA, and new-construction occupancy files.
Francisco Williams · NMLS #1858674 · CA DRE #01979442
About the Fontana market
Logistics-adjacent SFR growth. FHA, VA, and conventional on occupancy. New construction is common. 1–4 rentals are a different occupancy than the house you will live in.
Neighborhoods I serve in Fontana
Common ZIP codes: 92335, 92336, 92337.
Programs that fit Fontana best
Government — FHA
FHA 30-Year Fixed
HUD-insured mortgage with low down payment and flexible credit requirements.
View program
Government — VA
VA 30-Year Fixed
Zero-down financing for eligible active-duty servicemembers, veterans, and surviving spouses.
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Agency Fixed-Rate
Conventional 30-Year Fixed
The most common mortgage in America. Fixed rate and payment for 30 years, conforming to Fannie Mae / Freddie Mac guidelines.
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DSCR
DSCR Rental Loan
Qualify a rental property on the property's own cash flow — no personal income documentation.
View program
FAQs — Fontana mortgage financing
- Does Francisco Williams work with Fontana homebuyers?
- Yes — Fontana is part of our core Southern California service area. I'm licensed throughout California (NMLS #1858674, CA DRE #01979442) and have placed loans across Fontana and surrounding San Bernardino County neighborhoods. Call or text (213) 880-8107 to discuss your scenario.
- What neighborhoods in Fontana do you serve?
- Across all of Fontana — including Downtown Fontana, North Fontana, Sierra Lakes, Southridge. Common ZIP codes: 92335, 92336, 92337.
- What loan programs work well in Fontana?
- Logistics-adjacent SFR growth. FHA, VA, and conventional on occupancy. New construction is common. 1–4 rentals are a different occupancy than the house you will live in. The programs that fit best locally include: FHA 30-Year Fixed, VA 30-Year Fixed, Conventional 30-Year Fixed, 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.
