Slide background
Slide background
Slide background

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 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…

Read more >


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…

Read more >

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

"We went through Bill Zigler and boy are we glad we did. As a veteran with a VA loan that had never once been late on our payment and with a decent credit score we thought it would be easy to refinance through a streamline loan. However, many, many companies wanted to charge us outrageous closing cost fees to get a good rate. Bill came in and did an amazingly quick job, patiently answered our 10 million questions, did not gouge us on costs and provided wonderful communication throughout the entire process. We cannot thank him enough for doing such a fantastic job and will recommend him to all of our friends and to any others out there looking for the same type of personalized service."

Thom and Rebecca Simmons