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Welcome to

The Home for Low VA Loan Rates

We take enormous pride in the opportunity to serve
the Veterans that have served our country.

• No Appraisal Required on a VA IRRRL
• No Income Verification required on the VA IRRRL/Streamline (conditions apply – please ask for clarification)
• On a VA IRRRL, the VA does not require you to bring money to the closing table unless you decide to
• Most of our loans close within 30 days or less
• Get up to $6,000 for Energy Efficient Improvements to your home, without an appraisal – Ask about the VA EEM Streamline program
• Finance in up to 60 days of interest on your loan
• Investment homes are OK on the Streamline as well

VA Streamline Refinance Rates continue to drop. The VA Streamline is a Government sponsored refinance program that allows VA borrowers to refinance with no appraisal, no income, and no out of pocket expense. There has never been a better time to VA Streamline Refinance your Home and save money. The VA Streamline Refinances will also allow you to get your escrow balance back from your existing lender. It streamlines the VA refinance process like no other type of refinance. If you have a VA Loan, the time to streamline is now!

Our Veterans deserve top notch service and low costs…This is the place for both!

Call 888.525.5345 today to get started!

* The VA will allow you to include up to 60 days of interest into your refinance so you do not have to make a payment for TWO months! VA guidelines also require no income, appraisal, or verification of income.



“The call for your financial future is free and my services are priceless” 



scotsman guide top originators 2015Bill Zigler ranked top originator #1 in California and #2 in the Country…

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Bill Zigler #1 in California for VA Loan Production Volume and #4 in the CountryBill Zigler ranked top originator #1 in California and #4 in the Country…

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Bill Zigler Tweets

BRE License #01525529

2016 Best of Newport Beach Award

NEWPORT BEACH March 1, 2016 -- Williams Financial, Inc. has been selected for the 2016 Best of Newport Beach Award in the Mortgage Broker category by the Newport Beach Award Program

2015 Winner


A+ Rating at the BBB


Client Testimonials


If you are seriously in the market for a home mortgage, this is the place to be. I had my reservations about using a company via the internet and phone calls for something as substantial as a mortgage. However, Bill Zigler proved my concerns were unfounded. We received a post card in the mail advertising an interest rate that seemed to good to be true. The next day I called to get additional information sure that it was a "bait and switch" scheme. Bill explained that he could indeed get us that rate, and there would be no "out of pocket" expense for us to do the refi. With his assurances, we applied over the phone. The next day we had the disclosures, a few days later the full approval, and less than 2 weeks from the day we applied, we were closed. And there were NO surprises in the closing documents. Everything went exactly as he had represented. We have purchased, sold, and refinanced many properties, using many different lenders. Bill Zigler with was, hands down, the best experience we have ever had with a mortgage. His customer service is beyond compare. Calls or emails were returned in an incredibly short period of time. He did not make any promises that he could not keep. Without a doubt, I will be returning to Bill for any future mortgage needs. I know that sometimes I look at online reviews and wonder, "yeah...but..." This experience was so easy and pleasant that I am willing to give you my personal email address so that you can contact me with any questions that you might have. Please put your hesitations aside, and give Bill a shot at earning your business. I think that you will be extremely pleased with the process. I know we were! You can email me at:

Viola E