Newport Beach · Orange County · California
The Loan Officer Veterans, Business Owners & Familias Trust
Marine Corps Veteran. USC Marshall alum. 210+ five-star reviews — and counting. VA, bank statement, DSCR, and jumbo loans done right, in English or Spanish.
★★★★★ Rated 5.0 across Google, Zillow & Originator Success · No credit pull to start · Ready to apply?
5.0
Rating — never lower
Google · Zillow · Originator Success
210+
Five-star reviews
159 Google · 42 Zillow · more
2
Languages
English & Español
#1961452
NMLS ID
Verify at NMLS Consumer Access
Every claim on this page is publicly verifiable — Zillow, Google Business Profile, and NMLS Consumer Access.
Proud to Support & Partner With
Who I Serve
Three Communities. One Standard: Five Stars.
Veterans
$0-down VA loans from a Marine who's used the benefit himself. Purchase, VA jumbo, IRRRL, construction — and funding-fee exemptions checked every time.
VA Loans →Business Owners
Your tax returns don't tell your real story. Qualify with bank statements, assets, or rental income — the way entrepreneurs actually buy in California.
Bank Statement Loans →En Español
Compra tu casa con alguien que habla tu idioma y conoce el proceso. Primeros compradores, dueños de negocio, inversionistas — todo en español.
Ver en Español →Proof, Not Promises
210+ Five-Star Reviews. Zero Below.
“Cris Pacheco truly came in and saved the day during my home buying process. After the original lender I had been working with unexpectedly abandoned the deal, I was stressed, overwhelmed, and honestly unsure if everything was going to fall apart. Cris and his team stepped in and made things happen.”
“Cris did an outstanding job helping us through the home buying process. He put in a ton of work behind the scenes and consistently made sure we were taken care of every step of the way.”
“I highly recommend anyone that needs a Mortgage Home Loan or VA Construction Loan to hire Cris Pacheco to assist you in acquiring a loan that could also help military Veterans with difficult home loans.”
“One of the only lenders in the industry to perfectly put together a bank statement loan and close. These loans are complex and require a lot of patience from the borrower, the entire transaction team, and especially the mortgage lender to all work together and close.”
“I was impressed with his professionalism, quick responses, and even though we didn't make a deal he gave honest feedback showing his interests are to get us the best deal. Definitely built a strong recommendation in my books and will use again in future!”
“The first time I contacted Cris he was very thorough with me and always told me if I had any questions to not hesitate to reach out with a call or text. As a first time home buyer I had many questions! Him and his team walked me through the whole process.”
The Process
How This Works
Most people put this off because it feels enormous. It isn't. Here's the whole thing.
- 0115 minutes
A real conversation
Tell Cris what you're trying to do. He'll tell you honestly what's possible, what it costs, and what to fix first. No credit pull, no obligation, English or Spanish.
- 0224–48 hours
A pre-approval that holds up
Full credit and income review — not a 10-minute pre-qual. Your agent gets a lender who calls listing agents to vouch for your file, which is how offers get accepted.
- 03Typically 21–30 days
Close on time
You get updates before you have to ask for them. Texts get answered the same day — usually within the hour. That's what 210+ five-star reviews are actually describing.
Local Roots
Newport Beach Based. Orange County Raised. California Licensed.
The office is on PCH, the events are local, and the review wall reads like an OC + Inland Empire map — Tustin, Laguna Beach, Corona, Menifee. Find your city.
Loan Programs
Whatever Your Situation, There's a Structure for It
Frequently Asked Questions
+Who is Cris Pacheco?
Cris Pacheco is a mortgage loan officer with EZ Fundings Home Loans based in Newport Beach, California (NMLS #1961452). He is a U.S. Marine Corps Veteran and USC Marshall School of Business alum specializing in VA loans, bank statement loans for the self-employed, DSCR investor loans, and jumbo financing, with 210+ five-star client reviews across Google and Zillow.
+What areas does Cris serve?
Cris is based in Newport Beach and serves all of Orange County — Corona del Mar, Costa Mesa, Irvine, Huntington Beach — plus Los Angeles County, the Inland Empire, and the entire state of California.
+Does Cris work with Spanish-speaking buyers?
Yes — se habla español. Cris works extensively with Spanish-speaking families and business owners throughout Southern California, in their language, from first conversation to closing.
+How do I get pre-approved?
Call (949) 350-4590, apply online through the secure application link, or book a call. A real pre-approval usually takes one conversation plus documents — and it's free.
Let's find out what you actually qualify for.
A free 15-minute call with Cris — no credit pull, no obligation, English or Spanish. You'll get straight answers about your exact situation, even if the answer is 'wait six months.'
★★★★★ 210+ five-star reviews · Texts answered same day · Ready to apply? Start your application