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I've been a resource of San Diego real estate information for Investors Business Daily
The types of loans I do
Commercial SBA / Hard Money
Niche loan programs (Conditions apply)
Non Owner Properties held in an LLC allowed up to 65% LTV
Properties held in trust ok
Less than 2 years self employed allowed if in same line of work
Conventional Non Owner Occupied- Up to 10 Financed Properties ok
Non Structural deferred Maintenance is ok - work not required to be complete prior to closing and funds do not have to be escrowed
Foreign national loans up to 65% LTV
Non Warrantable Condos allowable
Liquid assets can be used as income with a debt ratio as high as 58%
Purchase and refinance loans up to 2 million
Cash out loans up to 1 million, 85% LTV & no Mortgage Insurance
Owner occupied and second home loans have no maximum limits on financed properties
20 financed properties allowed for a non owner loan with up to 6% seller concessions
Cash out refinance with maximum 400,000 cash in hand
Free credit repair with credit score of 600 or higher when loan submitted (this is offered by specific investor)
2 years out of deed in lieu of foreclosure may be acceptable
Unlimited acres okay with 10 acres used for valuating property
Zoned agricultural properties are okay
The types of loans I cannot do
Construction of 1-4 unit residential
Founded in 1977 our headquarters are in Fairfield California
This is not a guarantee to lend. Certain restrictions apply.
FPF is licensed by the CA Dept of Real Estate 00654852 NMLS #3257
Nevin Williams is licensed by the CA Dept of Real Estate #01366552 NMLS#69651
Areas of Expertise
The sheer size of our company allows us specialty in every loan field imaginable. Conventional, jumbo, FHA loans make up the bulk of our business. We have loan officers that specialize in VA and USDA Rural development loans.
Our loans are mainly purchases with some refinances.
Our additional services included at no cost to you: Personal budgeting, financial planning, retirement planning strategies and real estate contract review.
Nevin was the Broker for two clients of mine for their home purchase. He always impressed me with his honesty, integrity, and sense of urgency. He is always through and meets any deadlines. In these economic times it is often hard to find a Broker who is honest and will work as hard as Nevin for his clients. I highly recommend everyone to give Nevin a call for any financial needs.
John Aaroe Group Sherman Oaks, CA
From the first time I met Nevin Williams, I was impressed with his "Say what I'll do and do what I say" straightforward approach. In this profession, it is a critical element of business to under-promise and over deliver. Nevin has always exceeded my expectations on what a loan officer should do and that makes me look good in my customer's eyes. I have placed several transactions with him as well as having him do financing for my own investment purchases. In 35 years of being in the Real Estate business as salesperson, manager and owner of my own company I can't say I've ever dealt with a better loan person. I will use Nevin any time I can and recommend him to others to do the same.
A major real estate firm in Northern California
"There is no substitute for an outstanding Personal Reputation in real estate and lending. One man in our industry is a Superstar Standout -- Nevin Williams "gets it!" He knows each transaction is far more than a ‘unit of production' to the principals involved. To Buyers and Borrowers, their own transaction(s) can be stress-filled, nail-biting messes often void of empathy and understanding. Not so when Nevin Williams is the professional lender/broker.
With confidence that each client will be treated as family, I routinely refer clients to Nevin for concierge level service from start to happy ending!
His comprehensive knowledge of how to handle the most sophisticated financing challenges allows him to solve the knottiest problems quickly and smoothly. Nevin's communication skills are the very best in our industry!
Whether my client is a first-time Buyer applying for a small FHA loan or a savvy investor searching for the best multi-million dollar product available, Nevin Williams is my "go-to" professional lender/broker.
If you seek unparalleled service with rock-solid integrity -- call him!
Don't hesitate to contact me at any time for details."
Jim Brennan, Realtor Keller Williams
When I needed help consolidating two Mortgages, two home equity lines-of-credit, and several thousand dollars in credit card debt(all at the lowest current rate)....Nevin was my hero! I was referred to Nevin from my tax attorney without hesitation.
Nevin returned my first call within ten minutes (as was his standard anytime I needed to talk with him). He preapproved all loans with totally accurate Good-Faith-Estimates right from the start. The above can be accomplished by many mortgage brokers, but few will/can tell you "how you stand" truthfully from first contact. That's what I liked the most about Nevin.
After the first contact...he gave me the true numbers right from the start. Believe me...he will let you know honestly and immediately if he can help you reduce debt and interest cost at your first contact. Nevin is the most responsive financial advisor I have ever dealt with. He knows time is the most valuable commodity we all have, and will not let you waste it on him getting back to you.
I will not hesitate to call on Nevin to analyze my next endeavor, small or large. He is the first advisor I want providing me guidance and recommendations.
"Nevin and his team have assisted my spouse and I in finding financing and refinancing for our home and rentals. He and his team have always proven themselves to be knowledgeable, well-researched, efficient, transparent, forthcoming, competitive, and flexible. He does his utmost to present one with all of the currently available options, and helps one to understand the pros and cons of each. I heartily recommend Nevin and his team to folks looking for someone to navigate the ever-changing landscape of real estate lending."
San Jose CA
This is a short and sincere letter of recommendation for a lender who has also become a friend. We trust him to handle not only our wonderful clients but our own loans as well. This economy is one that will see us getting down to the truly good lenders and those of integrity. NEVIN WILLIAMS is a rare lender/broker.
You can count on him to give you the full story and he will give it to you straight! He is knowledgeable in all areas of lending and he truly has one of the best work ethics of anyone we have worked with. Count on him.
We have been in this business for over 20 years and look forward to another 20 with Nevin's assistance! Please do not hesitate to call or e-mail us with any questions.
My name is Angela Barone. I have known Nevin for many years and always go to him for my personal mortgage and refinancing questions and help. I have refinanced two or three times with Nevin. The reason I go back to him over and over is that he is completely honest about what he can provide regarding my loan needs and requirements. I know that he researches many loan options and considers my short and long term financial goals before suggesting the right one.
In the past, another loan broker approached me. He thought he could do better than the loan I took from Nevin. After reviewing my loan, the other broker told me that it was the best loan he had seen and I should go with Nevin. The new broker could not provide that kind of interest rate and terms. Nevin also has very strong business ethics. I have complete trust and confidence in him and believe that he will do his best for me. This is why I continue to do business with Nevin Williams.
Sr. Manager, Oracle Corporation
I am a high school history teacher living in California and have worked with Nevin Williams on several refinance loans for my home in Santa Maria. During our transaction I found Nevin to be knowledgeable, accessible, and forthcoming with all information pertaining to the loan. He answered every question I had no matter what time of day or night.
On one occasion we spoke about my loan until 12:30 at night. During that evening, Nevin patiently answered and/or explained the myriad of questions I had and helped me deal with all of the concerns I had at the time with the loan. He helped me feel comfortable with my decision and stayed on the phone with me until I was satisfied that I was making the right choices. He was very thorough in explaining every part of the loan papers at closing.
What I enjoyed about working with Nevin is you can do it all over the phone and in the comfort of your own home. You never have to go to an office; Nevin sends all the paperwork to you with detailed instructions on how to complete it. Then, you just send it back. I'll never do a mortgage any other way. I have referred all of my friends and family to Nevin and they also rave about his excellent service.
Santa Maria, CA
I have worked with Nevin Williams on two refinances over the last few years, and each time he has given me sound advice and has really worked with me to achieve my maximum financial opportunities. Over the years, I have grown to gain such a trusting relationship with Nevin that I would call him periodically about real estate and financial questions.
Our conversations grew from business to personal and became quite lengthy. He has become a trusted friend that I would do business with time and time again. He works tirelessly to provide the best service for his clients and it shows in the quality and professionalism of his business.
I have recommended Nevin to my friends and family and each has been just as impressed with his enthusiasm, knowledge and service as I have been. I recommend you give Nevin the opportunity to serve you. I guarantee that you will go away with the feeling that you have been treated fairly and with the respect that you deserve.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.