I am a United States Marine Corps infantry Veteran. As a homeowner, I recently had the pleasure of doing a V.A. cash out refinance loan with Mr. Bill Zigler, an outstanding Senior Mortgage Planner affiliated with Williams Financial, INC.; Bill was super amazing and made the process so incredibly easy for me. He made it "Grunt Proof" ( in other words, even a humble infantry marine, such as myself, could clearly understand where he's coming from). I did the whole refi simply through the convenience of my smart phone. Mr. Bill Zigler, whom I affectionately referred to as, "Charming Billy", made the transaction very easy for me. I did a couple screen shots on my phone, such as DD214s, Drivers license photo ID, recent tax records, paycheck stub, etc, and emailed them to him; he took care of all the rest of the paperwork. Bill was with me every step of the way and guided me toward a big pay day. Anytime I emailed Bill with a question or just a status update, Bill immediately emailed me back, with the intel; hell he even would add a fun comment or entertaining jest to his email which made feel a personal connection. Bill even set up an appraisal appointment conveniently scheduled around my work schedule and then sent a notary to my house to physically sign some documents. In the deal that Bill set me up with, I was able to pay off all my credit card debt, receive a ton of cash, and get to skip two months of mortgage payments. Mr. Bill Zigler is hero in my book! Bill was even able to wave some V.A. funding fees for me, as I have a disability rating through the V.A.. I highly recommend Mr. Bill Zigler to any veteran that's looking to do a quick and easy IRRRL or cash out refinance deal. Bill Zigler is an honest man that will help you ease through the process regardless of your situation; he will go above and beyond to make a deal happen and improve your situation. I usually do not endorse people or write reviews on sites, but Mr. Bill Zigler at Williams Financial did such an outstanding job that I just had to comment. As a former United States Marine, I fully endorse Mr, Bill Zigler. Give him a call or an email, and I am sure he will treat you right and get you "good to go!" Semper Fidelis! read more

My intent is to keep this review short, concise and relatable to anyone who has recently bought a house and to highlight how pleased we are for having our refinance handled through Williams Financial and more specifically by Bill Zigler. Some background first... Since we had received a VA Mortgage, in the months following our home purchase we literally received hundreds of offers looking to refinance. Almost all of these went directly into the trash. However, since we were planning to stay in the home long term, my wife thought we should explore what the short term costs vs. long term benefits would be if we refinanced. We engaged one lender from a large well known national company and went through a few emails and then a phone call question and answer. Initial conversation was positive; however, when they came to the house with our actual documents to sign, the numbers were nowhere what was discussed, and any financial benefits to us would have been negligible. At that point I gave up on the idea of refinancing. However, not long after that, I received a personal letter which was actually more of a letter thanking me for my military service; and with the addition, that if I was ever looking into financing or refinancing a home that they would be honored to have my business. The letter was from Williams Financial and was signed by Bill Zigler. As interest rates were continuing to drop...I decided to give Bill and Williams Financial a try. It was one of the best financial decisions of my life. I have had several mortgages and refinances...and none were as easy, pleasant to deal with, and produced such results to our benefit as working with Bill and Williams Financial. I want to emphasize further the benefit to us as Bill was still able to get the lender to come down another .25 % below what was the currently acceptable lowest rate. We could not have been happier with the service provided by Bill and Williams Financial; and now six months later, with the company that holds our mortgage. Thank You Bill for being so easy to work with, for honoring veterans (including your father) through the service you provide, and for looking out for our interests. read more

This review may be long but WILL be worth your time to read. Being in the military for over 25 years I have worked with many companies refinancing multiple houses in many different states. All I can tell you is working with Bill Zigler with Williams Financial twice in the past year has proved to be THE BEST experience I have ever had. He is, without a doubt, the most professional, courteous and insightful person I have EVER dealt with regarding refinancing homes. He is always on time, responds within the same day and in many cases within 10 minutes of me asking a question. He is also tenacious in the quest of saving YOU money by providing several choices in rates and costs. In fact, the reason why I went with him twice is because I could not believe what he did for me and my family on our first refi. We had everything worked out and was within a few days of signing when he canx the deal because he saw another break in rates and costs that saved me over $3,000. He did this even though it cost him money to redo all the paperwork. Yea, he is that kind of guy, a diamond in a sea of coal where most of these folks are out to make money no matter what. You have a choice on who you deal with, I give my highest recommendation that you work with Bill when you are looking to get the best deal while also having the easiest closing process. Thanks again Bill Z! read more

Bill was very professional and courteous. He made the VA loan process very smooth and stress-free. Always responded in a timely manner. I recommend Bill to other veterans looking to finance a home. Williams Financial is a company I will recommend to anyone for their mortgage needs. Bill represents this company well because they understand the needs of the military and veterans. They limit the amount of paper and leg work involve in getting the loan processed. I was informed about every step of the processing of the loan. When other companies said "NO," Williams Financial said "YES!" I was turned down by Quicken Loans a few days before receiving an advertisement in the mail about Williams Financial. I called Bill Zigler the same day and receive the documents the following day without hesitation. I was not denied because of my credit score, or asked about income. This truly is what makes this company stand out in my book! Bill explained everything so I did not have any doubt about my decision to refinance my VA loan. I got a great rate and a lower monthly payment. I look forward to working with Bill again in the near future for my mortgage needs. Again, Thanks Bill for a job well done. It was worth serving for Americans like you! read more

I have probably received over 100 letters from various companies offering to refinance my VA Loan. I only sent emails to 2 of the companies in which I received letters from and only one of them responded to my email. That one person who responded was Bill Zigler. Bill gained me as customer because he was honest and straightforward. I provided him my situation, he did his due diligence and told me he could do the refinance. A few days later, I had a FULL Loan Approval. I closed on August 8, 2014 and the entire process was so simple that I feel guilty because I really did not do anything. My entire process was several emails back and forth, loan approval and signing of the documents. I literally spent more time signing the Closing Documents than I spent during the entire loan process. The one funny thing about my entire process was that I never once spoke with Bill because all of my correspondence with him was through email. If anyone is looking to refinance or simply get a mortgage, contact Bill and start a dialogue. I seriously believe that you will end up satisfied with the service that he provides. Semper Fi... David read more

If you currently have a VA mortgage loan, I'm sure you are being bombarded daily with offers via the mail, email and phone for a Streamline refi. Do yourself a favor and call Williams Financial, Inc. before you make any decision. We were going into our fourth month of the "quick and simple" Streamline process with a nationally advertised company, who previously held our loan, when I received a postcard from Bill at Williams Financial. The best decision I've ever made was to call Bill. In less than thirty days we closed at an interest rate a full percent lower than our existing loan and a half a percent lower than the rate the company that had been working on it for over 3 months had offered. Bill's entire team was extremely professional, helpful and friendly. From Kris in Bill's office to Robert from Blue Pen Notary, who fought a four-hour traffic jam to come to us for document signing, to Cheyenne at Everest Escrow who expedited the closing. And of course, Bill. Thank you all. I would not hesitate to recommend Williams Financial Inc.!! A+ read more

As with many others I started with Bill and Williams Financial from his postcard on or about June 10th, 2016, with a Email from me to him. He responded that same day and asked some questions. I answered his questions. He said here's what we can do. I researched his response and decided to go for it. Two days later I had the package at my house and I filled out all questions and documents requested. We did a 30 yr fixed rate, cash out loan. Next was supposed to be the hard part, appraisal, termite inspection etc. He organized it and we did it. He worked with Sun West Mortgage and DocuSign and Everest Escrow to work on the loan. He kept me informed throughout the process. On July 28, 2016 all was done! This is how it's supposed to be done! Thank you Bill, and I will definitely recommend him to anyone I know who is looking for a loan. Jim "JC" Conrad Fresno, CA read more

Working with Bill on our refinance was an absolute pleasure. Having been through the process of home closings and multiple refinances to take advantage of falling interest rates with different companies, we've had a wide spectrum of experiences some positive, and some less so. I can honestly say that having Bill as our mortgage specialist led to the quickest, most transparent, and flawless closing that I've been a part of. Also, I feel he was able to broker a deal that gave us the most value for our money. I couldn't be happier with the attentive service we received. There's no doubt that we would again use his services for our future financial planning. I fully recommend him to anyone, and have already referred him with the utmost confidence to my parents, as they soon will purchase their retirement home in Florida with us. Thank you, Bill! read more

My experience with Bill Zigler was positive from beginning to the successful closing. As a real estate professional I feel uniquely qualified to personally review Williams Financial Inc. as I use financial companies in a majority of my real estate transactions, but a VA Streamline re-fi for my own mortgage was very personal. Bill was honest from the first phone contact and kept me informed of the progress throughout the transaction. From initial contact to closing only took 21 days and saved me a substantial amount on my mortgage payment along with the added benefit of two months deferred payments. Bill was honest, trustworthy and professional throughout the entire mortgage process. I'd definitely use and recommend Williams Financial Inc. for all of your mortgage needs, especially VA Streamline re-fi. read more

It was great and very easy working with Bill and his team. The loan process to refi my VA loan was quick and straight-forward. Any time I called or emailed Bill, he either answered the phone or called me back within minutes. He always responded to my emails quickly. I would and have recommended him to friends. If and when I need another home loan or refi, I will not hesitate to use Bill again. On the day my loan was ready to close, Bill contacted me and asked if we could wait another day because he could get 1/4% lower rate. I feel most would not have tried right at the very end of the process to save me some more money. Bill is a great asset to Veterans. read more

We used Williams Financial to refi our VA loan. At first I was reluctant because we had to jump through major hoops with our first one and it took like 4 months. I decided to give them a call and see what they could do to lower our rate. I talked with Bill Zigler and wow this experience was like night and day. He was awesome, we corresponded through email mostly, he always responded within minutes. Bill is super attentive to veterans and does whatever he can to get you the best rate and no fees. Seriously it took about 31/2 weeks from start to finish. An added bonus we got 2 months off of paying our mortgage!! Bill Zigler you and your team rock!!!!! read more

Bill Zigler assisted me witha CalVet to VA loan buyout/refinance. Bill was not only professional but considerate of our needs and presented several different good faith estimates. Each estimate had sligbt tweaks to the down payment, up-front processing fees, and interest rates... complete with a video that helped my wife understand the terms and calculations, so that she could also be a part of the discussion. In the end, we were able to greatly lower our interest rates and monthly mortgage payments with extremely reasonable closing costs. I can't imagine working with another professional when a VA related home loan is involved. read more

I've been working with Bill Zigler for many years, and he has consistently been an outstanding mortgage broker, especially when it comes to VA loans. He is incredibly proactive and always on top of any obstacles that come up, whether they involve title or escrow issues. It's clear that Bill genuinely cares about his clients and goes above and beyond to make sure they're fully taken care of. He's honest, straightforward, and never sugarcoats things, which I truly appreciate. Bill is extremely knowledgeable and very good at what he does. I wouldn't hesitate to recommend him to anyone looking for a trustworthy loan broker. read more

I had a truly stress-free and seamless experience working with Williams Financial, Inc. They were able to refinance my mortgage when other lenders couldn't, and the entire process was handled with professionalism and clear communication from start to finish. A special thank you to Bill Zigler and Monica Kim--their expertise, responsiveness, and commitment made all the difference. I always felt informed and confident that I was in good hands. I highly recommend Williams Financial, Inc. to anyone looking for a lender who will actually find solutions and deliver results. I will work with them again in the future! read more

If you're in the market for any type of mortgage loan, I highly recommend Williams Financial. My experience with them was nothing but pleasurable. I communicated directly with Bill, and any questions/issues that came up were quickly and painlessly resolved. Frankly, I was quite surprised how easy the whole process was. No pressure or anxiety. I definitely recommend Williams Financial, and suggest that you give them a try. You'll know, as I did, after the first time speaking with Bill that he has your best interest in mind, and will be with you every step of the way. Thanks again Bill for all your help! read more

Our experience with Williams Financial, Inc. was excellent. We worked with Bill Zigler and he was absolutely fantastic. He always kept us informed of the progress and answered all of our questions and concerns in a professional, honest and timely manner. Even when we hit a snag, Bill reassured us and took the time to put in the extra work in order to get it resolved. We definitely recommend Williams Financial, Inc., especially for fellow veterans. We will definitely use Williams Financial, Inc., specifically Bill, for any future mortgage transactions. read more

If I could rate Bill it would be a lot higher than a SIX. I live on the central coast could've went to other local lenders but one other time we refinanced with Bill the process was smooth and quick all by email and phone. Then we bought another house called Bill again and he took care of us...like other reviews said he was always there to answer questions nights and weekends you certianly can't get that from other Loan officers. If you want a company and individual that are easy, quick and willing to work for you and help you... Call Bill !!!!! read more

Bill is the best. I was a bit skeptical about refinancing with a company I only heard of through the mail. He lowered our interest payment, fixed our escrow account, and helped us close within a month. It was a painless process and Bill kept my husband and I updated with the status of our loan. He is very professional and knowledgable. Any questions or concerns we had, he answered promptly and courteously. I would recommend anyone looking for a lender to go to Bill! Thanks again for the great service. read more

Bill and his team made my VA refinancing go smoothly and got me a great rate. I researched multiple mortgage companies and picked Bi because he worked harder to give me the most options and clearly put more thought into my needs than the others. Also, he struck me as very ethical and made me comfortable that I wouldn't be dealing with a sketchy firm. I was very happy with the entire process. He was responsive throughout and I got a much better rate that I expected at the start of the process. read more