San Bernardino County
San Bernardino Mortgage Broker.
Mortgage broker serving San Bernardino — first-time buyers, VA borrowers, and investor financing.
Francisco Williams · NMLS #1858674 · CA DRE #01979442
About the San Bernardino market
Heavy FHA, VA, and first-time buyer activity. Strong investor presence on distressed / rehab inventory.
Neighborhoods I serve in San Bernardino
Common ZIP codes: 92404, 92405, 92407, 92408, 92410.
Programs that fit San Bernardino 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.
View program
Bridge / Hard Money
Fix & Flip
Short-term financing for acquisition + rehab of a resale flip. 6–18 month term.
View program
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.
View program
FAQs — San Bernardino mortgage financing
- Does Francisco Williams work with San Bernardino homebuyers?
- Yes — San Bernardino is part of our core Southern California service area. I'm licensed throughout California (NMLS #1858674, CA DRE #01979442) and have placed loans across San Bernardino and surrounding San Bernardino County neighborhoods. Call or text (213) 880-8107 to discuss your scenario.
- What neighborhoods in San Bernardino do you serve?
- Across all of San Bernardino — including North End, North Park, Verdemont, Arrowhead, Central City. Common ZIP codes: 92404, 92405, 92407, 92408, 92410.
- What loan programs work well in San Bernardino?
- Heavy FHA, VA, and first-time buyer activity. Strong investor presence on distressed / rehab inventory. The programs that fit best locally include: FHA 30-Year Fixed, VA 30-Year Fixed, Fix & Flip, CalHFA MyHome Assistance.
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.