Business-purpose · not a consumer mortgage
Private financing.
You work with Francisco Williams, CCIM (NMLS #1858674 · CA DRE #01979442). Short-term, business-purpose capital when a bank 30-year cannot do the job: bridge, construction, ADU build, fix-and-flip. Consumer 30-years lock through Elite Fundings. Private files stay on this desk. Not an approval. Not a rate.
Fix-and-flip / BRRRR
Short-term acquisition and rehab when the exit is a sale or a DSCR refi — not a 30-year owner-occ.
Residential bridge
Close on a timeline a bank will not match. Exit must be named at origination.
Ground-up / ADU construction
Business-purpose construction draws when HomeStyle or 203(k) is the wrong tool. Terms at lock — not a web quote.
Commercial bridge
Transitional CRE. Williams Capital Advisors for the sale/SBA/NNN conversation.
Owner-occupied purchase, FHA, VA, jumbo, and 1–4 DSCR stay on Regular financing. Same person. Different product. Statewide private-money hub: private money lender California.
