Does Francisco Williams work with Oceanside homebuyers?

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

What loan programs work well in Oceanside?

VA is the dominant program given proximity to Camp Pendleton. STR DSCR works well on coastal properties. The programs that fit best locally include: VA 30-Year Fixed, VA IRRRL (Streamline), Short-Term Rental DSCR (Airbnb), DSCR Rental Loan.

All Service Areas

San Diego County

Oceanside Mortgage Broker.

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

Mortgage broker serving Oceanside — VA, coastal investment, and first-time buyer financing near Camp Pendleton.

Francisco Williams · NMLS #1858674 · CA DRE #01979442

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About the Oceanside market

VA is the dominant program given proximity to Camp Pendleton. STR DSCR works well on coastal properties.

Neighborhoods I serve in Oceanside

South OCoastal OceansideRancho Del OroFire Mountain

Common ZIP codes: 92054, 92056, 92057, 92058.

Programs that fit Oceanside best

Government — VA

VA 30-Year Fixed

Zero-down financing for eligible active-duty servicemembers, veterans, and surviving spouses.

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Government — VA Refi

VA IRRRL (Streamline)

Interest Rate Reduction Refinance Loan — VA's streamline refi, no appraisal or income docs in most cases.

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DSCR

Short-Term Rental DSCR (Airbnb)

DSCR loan using projected short-term rental income (AirDNA or 12-month Airbnb/VRBO history).

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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 — Oceanside mortgage financing

Does Francisco Williams work with Oceanside homebuyers?: Yes — Oceanside is part of our core Southern California service area. I'm licensed throughout California (NMLS #1858674, CA DRE #01979442) and have placed loans across Oceanside and surrounding San Diego County neighborhoods. Call or text (213) 880-8107 to discuss your scenario.
What neighborhoods in Oceanside do you serve?: Across all of Oceanside — including South O, Coastal Oceanside, Rancho Del Oro, Fire Mountain. Common ZIP codes: 92054, 92056, 92057, 92058.
What loan programs work well in Oceanside?: VA is the dominant program given proximity to Camp Pendleton. STR DSCR works well on coastal properties. The programs that fit best locally include: VA 30-Year Fixed, VA IRRRL (Streamline), Short-Term Rental DSCR (Airbnb), 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.