The HOME for Low VA Loan Rates

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


VA qualified buyers with full entitlement can purchase up to $510,400 before needing to put any money down. Many counties higher!


Refinance an existing VA-guaranteed or direct loan for a lower rate to save money.


Veterans, active service members, spouses, and other accepted beneficiaries may qualify.


Over 20 years experience, with a personal approach!

Williams Financial, Inc. is an outstanding mortgage brokerage firm that was created in 2008 to specialize and serve those in need of purchasing a home or refinancing.

Williams Financial services the lending needs of its clients (primarily US Veterans), real estate professionals, builders and individual home buyers. We have access to a full range of mortgage sources and are dedicated to finding the right loan–with great rates, terms and costs–to meet our clients’ unique needs.

Bill Zigler

Bill Zigler

MLO #174125

Williams Financial, Inc.

Call 888-525-5345 Now


VALOAN Streamline Benefits - Why Our Customers Love Us:

No Down Payment

Find out if you qualify for $0 down when purchasing a home. All we need from you is a copy of your DD214 and I can obtain your Certificate of Eligibility to realize your down payment requirement.

Lowest Interest Rates

As the son of an Army Veteran, the owner of Williams Financial keeps his costs down in order to pass those savings on to our Active Service Members and Veterans.

Close within 30 days or less!

Knowledge of and relationships with lenders is key in this industry. We pride ourselves on open communication and expedited processing to close loans quickly.

Award Winning Team

Bill Zigler ranked top originator #1 in California and #2 in the Country for VA loans. We are able to complete any type of mortgage financing, but we concentrate on helping the Veterans that put everything at risk for us.

Step-by-Step Guidance

During our time together, you can count on a step-by-step approach through the entire process. Our goal is to simplify the process so you know exactly where we are every step of the way with complete clarity.

Flexible Options

We realize that our veterans have many individual circumstances and hopes behind them. We go the extra mile to thoroughly understand your position and tailor any loan to your specific needs.

CALL 888-525-5345 or APPLY NOW


Which type of loan are you interested in?


Start Your VA Loan Right Now to Lock in New Rates!

Purchase or refinance home?
Purchase or refinance home?


What People Say


“Refinancing our home has never been easier. Thank you Bill Zigler for your personal attention to detail and getting us the ideal rates and loan we've been looking for. I cannot say enough about our experience. We are ready to use Bill & his team again in the future for all our financial needs. From start too finish a total class act.”

Rebecca T.

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