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Welcome to the site for Bill Zigler and Williams Financial and thank you for the opportunity to be of service to you.

We are an approved broker and leader in VA, Conventional, and FHA loans. We have helped thousands of veterans that have come to us for their mortgage needs. Customer Service, 24 hour availability and our attention to detail continues to be our key in providing trusted and reliable service with excellent value. Look to Williams Financial to provide you with the best products and services when you look for a new home mortgage.

Our VA Home Loan experts are dedicated to their mission of helping service members, present and past, and their families finance the home of their dreams using the benefits earned through their service.

Our 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. Call me today to talk about how I can help you fulfill your financing needs.

We take great pride in serving those who have served our country and truly believe they deserve nothing better than the best we have to offer!

“Choose the product that best fits your needs”


Mortgage / Finance

Interest rates on 30 year fixed rate mortgages have stayed at all time lows for over 2 years. Take advantage of these super low rates, lower your payment, and secure your mortgage payment so it won’t change like those adjustable rates. If you plan on staying in your mortgage for no more than five years, you might want to look at our record low rates on the short term fixed loans. Our experience, professionalism, and customer service will benefit you in making a decision on the mortgage product that best suits your needs, and those of your family. With over 13 years of experience in the Mortgage industry, I have seen the 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… Read more


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

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

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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

Outstanding support

Bill Zigler assisted me on my refinancing and he kept me up to date on all the steps. When I had a personal emergency he went out of his way to help me reschedule items. He was always just an email or phone call away. Thank you Bill for all of your help and I will always recommend you to my friends and family.

Charlotte M

Fast and easy!

Bill Zigler was very easy to work with, and was very thorough. They provided exactly what I was looking for, what I was asking for, and did it quickly and efficiently. Thank you.

Chris G


My wife and I recently had the pleasure of working with Bill Zigler regarding a VA cashout refinance. The customer service was nothing short of phenomenal! Bill was always accessible whenever we had a question or concern. His professionalism was unmatched! It's definitely a luxury working with someone who's extremely knowledgeable at what they do. If anyone would ever inquire about a company that specializes in refinancing, we'd definitely refer them!

Jay F

Outstanding Customer Service

This is my second time refinancing a house, and this is by far the smoothest and the easiest! Bill Zigler has been a great help throughout the process, he returns my emails and phone calls right away and he made sure that I am well informed throughout the whole process. I will definitely use Bill Zigler if I have to ever refinance again, I highly recommend them!

Lee U

Bill Zigler

Bill Zigler is by far the best! He helped get a lower interest late by introducing me to the VA stream line loan process. It was smoother than the original loan process. It was a pleasure doing business with him!

Yadullah T