Yet another 5 star review for the #1 VA Mortgage Broker in California

Fantastic customer service  – Professional, friendly and fast. Will do business again here. Bill Zigler was the best loan person I have ever worked with. – Nat A – USMC and National Guard”

Why work with Bill Zigler? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time. Please visit my website as well.

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

I specialize in ALL types of loans…VA, FHA, Conventional and of course Jumbo being that I live and work here in Orange County, CA.

Mortgage Broker Lending Review…Another 5 star review of California’s #1 VA Loan Specialist

Quality, Care and BEST of SERVICE is what Bill Zigler is all about! If you expect the best, you’ll raise that bar to EXCEPTIONAL after working with Bill!!! If you need someone, stop waiting and call him! – Adam M – San Antonio, TX

Why work with Bill Zigler? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time. Please visit my website as well.

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

Bill Zigler Ranked as One of the Nation’s Top Originators for 2013

Bill Zigler Ranked as One of the Nation’s Top Originators
Scotsman Guide Releases Top Originators 2013 Rankings

Newport Beach, CA – April 1, 2014 — Congratulations to Bill Zigler for the ranking as a Scotsman Guide 2013 Top Originator. Bill Zigler was ranked #1 in California for VA Loan Production Volume, and #4 in the Country.

Scotsman Guide, the leading resource for mortgage originators, released its fifth annual Top Originators rankings on April 1. The list, which ranks the nation’s top mortgage brokers and bankers, appears in Scotsman Guide‘s April 2014 residential edition, and searchable rankings are available online at scotsmanguide.com/top2013.

Bill Zigler was ranked among entries from nearly 1,400 mortgage professionals across the country. To be eligible for initial consideration in Scotsman Guide’s Top Originators rankings, originators must have had at least $30 million in loan volume or 100 closed home loans for the 2013 calendar year. Only loans and volume that originators closed personally could be considered. After receiving submissions, Scotsman Guide required written verification of top entrants’ volume from a certified public accountant, the chief financial officer at the originator’s company or a similar source.

Scotsman Guide Media publishes a residential edition and a commercial edition of Scotsman Guide, in addition to Scotsman Guide Loan Post and other platforms at scotsmanguide.com. The magazines also are available in digital format at sg-resdigital.com and sg-comdigital.com. Each month, the magazines reach tens of thousands of subscribers nationwide. Scotsman Guide is the leading resource for mortgage originators and connects mortgage brokers with wholesale and commercial lenders.

For more information, call him today at 888-525-5345.

Buying a home in California? Call me today for the best pricing on FHA, Jumbo, VA or Conventional!

My job, plain and simply, is to help you save money and protect the financial future of you, and your family. My clients are extremely comfortable in working with someone with my integrity, professionalism, and ability to place people with the best product for their situation.

Is your interest rate too high? Are you having trouble making your payment? Now is the time to look at your mortgage and get you a loan that makes sense.

Is your family covered in case something happens to you? Are you paying too much for your health insurance? Are you in a position where you can afford to be out of work for more than 30 days? Now is the time to call or email me so we can make sure that you are covered for the future.

Please visit my website!

Why work with me? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time.

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

$0 Down VA Home Loans for Vets

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

Why work with me? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time.

Specializing in mortgages of all types, I can help you navigate through the home buying process regardless of your down payment and loan program! Call me today and ask me how I can help you get into your dream home in less than 30 days!

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

Most recent client review – Top Mortgage Broker in Orange County, CA

Hello,This is Mr. Orlin Oliver in Tacoma, Washington. Last year we refinanced our home again using my VA for the 5th time and we just closed on our VA Streamlining refinance with Bill Zigler and he was simply “Outstanding” and down to earth as well as in your face honest in every aspect of the transaction from start to finish. He always answered any and all questions we had and was totally upfront with everything always. We just cannot say enough about Bill Zigler he is a top quality professional in his field and that is the bottom line from my wife and myself. Bill made this transaction so smooth and effortless. Honestly we were within days of doing a streamline on our VA loan with New Day Financial whom we had refinanced with last year and Bill sent us a postcard about Streamlining our VA Loan and I gave him a call (888-525-5345) and he made us an offer that my other lender would not even try to match with the interest rate and Bill did everything that he would do for us and then some and we have never been happier. We met a wonderful human being and made a new lifetime friend as well and we are now so very much at ease with our VA home loan thanks to Bill Zigler! We believe they deserve more than a five star rating. I would tell anyone I talk to about Bill for their loan, refinance or whatever they are seeking because Bill treated us like we were his only clients! And to us that in this day and age really stands out.

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

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

The time for a NO COST Refinance is NOW!

A big rally in the bond market has resulted in a sharp drop in mortgage rates. For the week ended Feb. 6, average 30-year fixed rate loans were 4.23%, down from 4.53% at the end of 2013.

The good news here is there’s no harm in looking into whether a refi makes sense! Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

Why work with me? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time!

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

If you are going to refinance, first do this!

Thinking about refinancing? Before you do, put some time and effort — and some money too — into sprucing up.

For anyone selling a home, sprucing up is a no-brainer. Repairs, upgrades, painting and landscaping can raise the sales price. But homeowners who are staying put and refinancing often don’t bother with these improvements. If you’re not looking for a buyer and have years to get around to these things, why bother?

Because the home’s condition will be reflected in the lender’s appraisal, which will determine whether you get the new mortgage and how large it can be.

Appraisals start with an analysis of comparable sales data — the prices of nearby homes that have sold recently. Homes that have merely been refinanced are not included. Because most home sellers do spruce up, the comparable prices likely reflect homes in good to excellent condition.

In the second step, the appraiser makes adjustments for differences between the home and what he or she believes to be the standard among the comparables. So if you have a kitchen from the ’70s and the recently sold homes were more up to date, your appraised value will suffer.

After all, the point of the appraisal is to make sure the home is valuable enough to serve as collateral on the loan. The homeowner may perceive the “value” as including all those nagging improvement plans as if they’d be done, as they surely would be before a sale. But the lender wants to know what the home would fetch as is, in case it had to be unloaded after a foreclosure. A homeowner with enough financial troubles to land in foreclosure is unlikely to spend big money on repairs and improvements.

The risk of a low appraisal is especially serious for the homeowner who wants to replace an older mortgage, because the new loan typically must be large enough to pay off the old one. Despite rising home prices in the past couple of years, many homes are still worth less than their owners paid for them seven or eight years ago. In those cases, homeowners need to squeeze every dollar they can out of the appraisal. At a minimum, a rejected application will cost hundreds of dollars on appraisal fees and other upfront charges.

Homeowners looking for a “cash-out refinancing” have more flexibility, because they can choose to borrow less. Typically, they own the home free of a mortgage or have an older mortgage with a balance well below the home’s current value. For them, a low appraisal will not prevent the new financing but will limit the cash they can take out of the home.

Whatever your reason for refinancing, the first step is a little research into recent sales prices in the neighborhood using sites such as Realtor.com, Trulia.com and Zillow.com. Because prices have been changing rapidly, try to find sales from the past six months or less.

Then take a realistic look at your home’s shortcomings and decide which ones to tackle. Unfortunately, many improvements fail to add as much value as they cost, so it probably would not pay to install a whole new kitchen just to get a higher appraisal. Look at this list from Remodeling Magazine for guidance.

Tidying up, painting, trimming the shrubs and other low-cost jobs are definitely worth doing. And looking at your home from a buyer’s perspective can help you see it from an appraiser’s.

Why work with me? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time.

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

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

Orange County CA Mortgage Officer – Specializing in ALL Mortgage types

My job, plain and simply, is to help you save money and protect the financial future of you, and your family. My clients are extremely comfortable in working with someone with my integrity, professionalism, and ability to place people with the best product for their situation.

Is your interest rate too high? Are you having trouble making your payment? Now is the time to look at your mortgage and get you a loan that makes sense.

Is your family covered in case something happens to you? Are you paying too much for your health insurance? Are you in a position where you can afford to be out of work for more than 30 days? Now is the time to call or email me so we can make sure that you are covered for the future.

Please visit my website!

Why work with me? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time.

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

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

Do you have questions about the home buying or refinancing process?

I have the answers to all of your questions. 2014 marks the 13th year I have been in the Real Estate Industry and changes occur every year. Being on top of the changes is what has allowed my clients to be well educated in the successful financing of their transactions.

Do you want the best loan for YOU, or for your loan officer? Whether your credit’s flawless or you have a more challenging financial background, I will find the right program for you. The reality about mortgages is that there’s no one typical solution that’s best for everybody. This is why I take the time to learn about your need and goals before presenting mortgage solutions for us to discuss and review. After that, I will tailor a loan to suit your situation.

Why work with me? Please see my numerous references that will assure you of my client dealings. It’s one of the reasons I have remained in the business through this tough time.

Call Bill Zigler today at 888.525.5345 to get started or send me an EMAIL

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