Does Francisco Williams work with Irvine homebuyers?

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

What neighborhoods in Irvine do you serve?

Across all of Irvine — including Turtle Rock, Quail Hill, Woodbridge, Northwood, Great Park, and more. Common ZIP codes: 92602, 92603, 92604, 92606, 92612, 92614, 92617, 92618, 92620.

What loan programs work well in Irvine?

Tech and biotech income dominate. RSU-based qualifying and high-balance / jumbo programs are the default. Non-warrantable condos appear in newer master-planned projects. The programs that fit best locally include: RSU / Restricted-Stock Income, Prime Jumbo, High-Balance Conforming, Asset Qualifier / Asset Depletion.

All Service Areas

Orange County

Irvine Mortgage Broker.

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

Mortgage financing in Irvine — tech professionals, master-planned communities, and jumbo purchases.

Francisco Williams · NMLS #1858674 · CA DRE #01979442

Apply for a Irvine loan Talk to Francisco

About the Irvine market

Tech and biotech income dominate. RSU-based qualifying and high-balance / jumbo programs are the default. Non-warrantable condos appear in newer master-planned projects.

Neighborhoods I serve in Irvine

Turtle RockQuail HillWoodbridgeNorthwoodGreat ParkPortola Springs

Common ZIP codes: 92602, 92603, 92604, 92606, 92612, 92614, 92617, 92618, 92620.

Programs that fit Irvine best

Alt-Doc — Equity Comp

RSU / Restricted-Stock Income

Qualify using RSU vesting schedules — common for tech, biotech, and finance employees.

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Jumbo

Prime Jumbo

Full-doc jumbo financing above conforming limits, typically with best pricing for strong borrowers.

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Agency

High-Balance Conforming

Conforming loans above the baseline limit, available in CA high-cost counties (Los Angeles, Orange, San Diego, Bay Area).

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Alt-Doc — Asset-Based

Asset Qualifier / Asset Depletion

Qualify using liquid assets depleted over a loan term — no income documentation required.

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FAQs — Irvine mortgage financing

Does Francisco Williams work with Irvine homebuyers?: Yes — Irvine is part of our core Southern California service area. I'm licensed throughout California (NMLS #1858674, CA DRE #01979442) and have placed loans across Irvine and surrounding Orange County neighborhoods. Call or text (213) 880-8107 to discuss your scenario.
What neighborhoods in Irvine do you serve?: Across all of Irvine — including Turtle Rock, Quail Hill, Woodbridge, Northwood, Great Park, and more. Common ZIP codes: 92602, 92603, 92604, 92606, 92612, 92614, 92617, 92618, 92620.
What loan programs work well in Irvine?: Tech and biotech income dominate. RSU-based qualifying and high-balance / jumbo programs are the default. Non-warrantable condos appear in newer master-planned projects. The programs that fit best locally include: RSU / Restricted-Stock Income, Prime Jumbo, High-Balance Conforming, Asset Qualifier / Asset Depletion.

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.