Bill Zigler was ranked #1 in California for VA Loan Production Volume and #2 in the Country

scotsman guide top originators 2015Williams Financial, Inc’s Bill Zigler was Ranked as One of the Nation’s Top Originators
Scotsman Guide Releases Top Originators 2015 Rankings

Newport Beach, CA – April 4, 2016 — Williams Financial, Inc. congratulates Bill Zigler for ranking as a Scotsman Guide 2015 Top Originator. Bill Zigler was ranked #2 in the Country in VA loans and #1 in California. He funded 374 loans for a total of $143,004,832.

Scotsman Guide, the leading resource for mortgage originators, released its seventh annual Top Originators rankings on April 1. The list, which ranks the nation’s top mortgage producers, appears in Scotsman Guide‘s April 2016 residential edition, and the rankings are available online at ScotsmanGuide.com/Top2015.

Bill Zigler was ranked among entries from more than 2,400 mortgage professionals across the country. To be eligible for initial consideration in Scotsman Guide’s Top Originators rankings, originators must have had at least $40 million in loan volume or 100 closed home loans for the 2015 calendar year. After receiving submissions, Scotsman Guide required written verification of top entrants’ volume data from a certified public accountant, the chief financial officer at the originator’s company or a similar source.

Scotsman Guide Media Inc. publishes a residential edition and a commercial edition of Scotsman Guide, in addition to Scotsman Guide News, Loan Post, Scotsman Guide Community and other platforms at ScotsmanGuide.com. Each month, the magazines reach tens of thousands of subscribers nationwide. Scotsman Guide is the leading resource for mortgage originators and connects mortgage originators with wholesale and commercial lenders.

For more information, visit www.VAloan-streamline.com or call (888) 525-5345

Williams Financial, Inc. Receives 2016 Best of Newport Beach Award

Press Release

FOR IMMEDIATE RELEASE

Williams Financial, Inc. Receives 2016 Best of Newport Beach Award

Newport Beach Award Program Honors the Achievement

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.

Each year, the Newport Beach Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Newport Beach area a great place to live, work and play.

Various sources of information were gathered and analyzed to choose the winners in each category. The 2016 Newport Beach Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Newport Beach Award Program and data provided by third parties.

About Newport Beach Award Program

The Newport Beach Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Newport Beach area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

The Newport Beach Award Program was established to recognize the best of local businesses in our community. Our organization works exclusively with local business owners, trade groups, professional associations and other business advertising and marketing groups. Our mission is to recognize the small business community’s contributions to the U.S. economy.

SOURCE: Newport Beach Award Program

Lowest Interest Rates are still available with Williams Financial, Inc.

Williams Financial is still able to offer the lowest VA Fixed rates in California, Virginia, Texas, Washington, Florida, and Pennsylvania.

• No Appraisal Required on a VA IRRRL
• No Out-of-Pocket Cost
• Only one payment required on current loan to refinance out of current loan! That is right…If you have made only 1 payment, if we can drop your rate, we can help you refinance!
• 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
• Skip 2 payments*
• Investment homes are OK on the Streamline as well

Why work with Williams Financial? Please see our numerous references that will assure you of our history of taking care of our clients. It’s one of the reasons we have remained in the business through this tough time.

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

Bill Zigler was ranked #1 in California for VA Loan Production Volume and #4 in the Country

Top Producer LogoNewport 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.

VA Cash Out Loans Available to 100%

The mortgage industry has gone through some changes of late, and that has only allowed us to help even more people. Here are some of those expanded VA specific lending guidelines we can now offer:
– Refinance up to 100% of the value of your property (TX is still limited to 80%) to pay off debts – Appraisal is required
– No FICO – As long as the mortgage has been on time for 12 months, the FICO does not matter on all VA loans
– No equity, no problem! We are now able to refinance to a new fixed rate on the VA without any equity
– We have expanded our business to cover more states (We are now in CA, CO, GA, PA, TX, VA, and WA)

For clients that are not looking for a VA loan, we can offer some of the LOWEST rates in the country on Jumbo and Super Jumbo loans. Our FHA programs are expanding at a great pace as well. Within the next 30 days, we will be able to help people buy a home even with a foreclosure in the last 12 months. Extenuating circumstances are required (loss of job, or other event) and will allow a minimum down payment of 3.5% on an FHA purchase!

All in all, we are the same company that did right for you, and I hope we have the opportunity to earn your business, and that of your friends and family in the future.
Thank you again for Your Service, and for giving us the ability to help you in the past.

Your Friend in the Mortgage Industry,
Bill Zigler

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”

Mortgage secrets to help you get approved

There are a variety of lesser-known programs to help people refinance an existing mortgage or purchase a home. Policy changes also are opening doors for some borrowers. Granted, no one is saying getting a home loan is easy. Three in 10 Americans are unlikely to qualify for a mortgage, according to recent research from Zillow Mortgage Marketplace. And only those with tiptop credit scores get the best rates. The study analyzed 13 million loan quotes and 225,000 purchase loan requests.

But if you’d benefit from a refinance or you’d like to buy a house, there are options you might not know about. The following are several to consider.

For the retiree:
For retirees who don’t have a steady pension check coming through the door, getting a mortgage can be a challenge. But a recent rule change at Fannie Mae and Freddie Mac is helping retirees who have robust savings but aren’t taking regular distributions from their retirement funds just yet.

In the past, a lender would have told that pension-less retiree that they needed to show they were taking regular distributions of a certain amount in order to cover their mortgage payments, said Cyndee Kendall, regional sales manager and vice president for Bank of the West. Now, balances in retirement accounts can be used to determine mortgage eligibility—without touching the funds.

“It probably affects close to half the retirees that we originate loans for, those who have saved and are not taking distributions until they have to,” Kendall said. The new rule means that retirees aren’t penalized for maintaining their retirement account balances, she said.

For the cash-strapped homeowner

The Home Affordable Refinance Program, or HARP, is a government program that allows people whose home value has declined to refinance into lower rates. Homeowners can be “underwater,” meaning they owe more on their mortgage than the home is currently worth.

And while the program has been in effect for years now, there are supposedly 2 million people who still could qualify, according to Mike Aubrey, a real-estate agent and star of several programs on HGTV. Recently, he’s been drafted by the government to help promote HARP in a new campaign designed to find eligible borrowers and get them into lower-cost mortgages.

Some of the people who qualify—but don’t realize they do—may have applied for a HARP refinance before rules were changed that removed the cap on how much you could be underwater on the current mortgage. The new rules also don’t require an appraisal, he said.

“A lot of people think that HARP is for special cases or the extraordinarily poor. It’s really just for regular people,” Aubrey said. People who took out a mortgage at the height of the real-estate bubble would benefit from this program the most, since their rates could be in the 6% to 8% range, he added.

Those with a current mortgage backed by the Federal Housing Administration may be eligible for the FHA Streamline program, which has a huge perk for the unemployed: There’s no income requirement, Kendall said.

For the fixer-upper

Lenders market FHA 203(k) mortgages more heavily in urban areas, where homes are in severe need of rehabbing, Kendall said. But properties that qualify for these loans can be located anywhere. And many times, these diamonds in the rough are bargains.

Call it a “mini construction loan,” which allows people to purchase a home and finance improvements in one mortgage, she said. The mortgage amount is based on the estimated value of the property once the work is completed, factoring in the cost of the work, according to the U.S. Department of Housing and Urban Development website.

While the program is a benefit for homes in really bad shape (think abandoned foreclosure properties), it can also be used for more less dramatic upgrades, such as modernizing a kitchen—the main point being that the upgrade has to increase the value of the home, Kendall said.

For those without a down payment

Coming up with a down payment can be the biggest hurdle for first-time home buyers. But there are ways to help scrape together that money.

Assistance funds are available for home buyers who are expected to be successful as homeowners, and they come from a variety of sources, including state and local governments, lenders and employers. Often, buyers are asked to complete a homeownership course in return. See HSH.com’s list of states with the best home buyer assistance programs.

Also, there is at least one avenue for 100% financing still available for buyers: That’s the U.S. Department of Agriculture loan program, and areas of the country that qualify aren’t always as rural as you might think, said Keith Gumbinger, vice president of HSH.com. Note: Those interested in this option might have to wait until the government shutdown ends to apply, as it appears the USDA mortgage program is closed at the moment, Gumbinger said.

Pennsylvania VA Mortgage Planner

Consumer advocates and banks have been particularly focused on QM and QRM because the rules are expected to have a dramatic impact on lending. By making loans that meet QM and QRM standards, lenders will receive legal protection and won’t have to keep a stake in securitized loans.

There’s been concern that if QM and QRM guidelines are too strict, many creditworthy borrowers would be unable to obtain a mortgage. Indeed, the prior QRM proposal’s 20% down-payment provision was dropped in Wednesday’s plan following criticism from industry groups and consumer advocates that too many good borrowers wouldn’t be able to get a loan.

According to the Center for Responsible Lending, a Durham, N.C.-based consumer advocacy group, it would take typical family more than two decades to save enough for a 10% down payment.

“Mandating down payment standards would make the housing market and overall economy worse instead of better,” according to a recent CRL note. “If mandated down payment standards went into effect — instead of letting the market determine appropriate down payment standards — then fewer families could become first-time home buyers.”

Lowest Rates VA Streamline Loan

We have seen a recent uptick in interest rates over the past 40 days. Historically speaking, we are still in the midst of the lowest interest rates of all time. Whether you are looking for a new home purchase in Orange County, CA, or anywhere else in California, Texas, or Washington, now is the time to lock!

We are Platinum broker with the ability to lock you in, and float your rate down if the market allows! That said, if you are looking for the best customer service, and the lowest interest rate for your mortgage, 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”

Newport Beach Senior Mortgage Professional Referral

Bill Zigler has over 13 years of experience in the Mortgage Lending Business.

I will be there for you to answer your questions when you need 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 Mortgage Planner

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.

I have 12 years of experience in the mortgage industry and 24 years in customer service. I have seen the industry through its ebbs and flows and I know the players. I will still be here for you when others move to the next “Hot” Industry.
 
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”