Does Francisco Williams work with Ontario homebuyers?

Yes — Ontario is part of my Southern California service area. I work with borrowers in Ontario and surrounding San Bernardino County neighborhoods under NMLS #1858674 and CA DRE #01979442. Call or text (213) 880-8107 to discuss your scenario.

What neighborhoods in Ontario do you serve?

Across all of Ontario — including Ontario Ranch, Downtown Ontario, Westwind. Common ZIP codes: 91761, 91762, 91764.

What loan programs work well in Ontario?

Growing new-construction supply. Warehouse/logistics-adjacent owner-user business financing is a specialty via SBA 7(a) and 504. The programs that fit best locally include: SBA 7(a) Owner-User, SBA 504 Owner-User, Conventional 30-Year Fixed, FHA 30-Year Fixed.

All Service Areas

San Bernardino County

Ontario Mortgage Broker.

Mortgage broker in Ontario — first-time buyers, new construction, and SBA commercial for local business owners.

Francisco Williams · NMLS #1858674 · CA DRE #01979442

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About the Ontario market

Growing new-construction supply. Warehouse/logistics-adjacent owner-user business financing is a specialty via SBA 7(a) and 504.

Neighborhoods I serve in Ontario

Ontario RanchDowntown OntarioWestwind

Common ZIP codes: 91761, 91762, 91764.

Programs that fit Ontario best

SBA

SBA 7(a) Owner-User

SBA 7(a) for owner-user real estate, equipment, working capital, or a business acquisition. Individual 7(a) still tops at $5 million; combined 7(a)+504 can reach $10 million under the July 4, 2026 coordination rule.

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SBA

SBA 504 Owner-User

Fixed-rate SBA 504 for owner-user commercial real estate or heavy equipment. Typical stack is 50% bank + 40% CDC debenture + 10% equity. Can pair with a 7(a) under the July 4, 2026 combined-limit rule.

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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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Government — FHA

FHA 30-Year Fixed

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

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FAQs — Ontario mortgage financing

Does Francisco Williams work with Ontario homebuyers?: Yes — Ontario is part of my Southern California service area. I work with borrowers in Ontario and surrounding San Bernardino County neighborhoods under NMLS #1858674 and CA DRE #01979442. Call or text (213) 880-8107 to discuss your scenario.
What neighborhoods in Ontario do you serve?: Across all of Ontario — including Ontario Ranch, Downtown Ontario, Westwind. Common ZIP codes: 91761, 91762, 91764.
What loan programs work well in Ontario?: Growing new-construction supply. Warehouse/logistics-adjacent owner-user business financing is a specialty via SBA 7(a) and 504. The programs that fit best locally include: SBA 7(a) Owner-User, SBA 504 Owner-User, Conventional 30-Year Fixed, FHA 30-Year Fixed.

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.