Mortgage and Wealth Planning

Let’s make your Dream of Homeownership and Financial Security a Reality!

As a proud Marine Corps Veteran, I specialize in Veteran and VA Home Loans, ensuring fellow veterans get the benefits they deserve. I offer diverse financing solutions, from Bank Statement loans and Asset Depletion to Debt Service Coverage Ratio loans and Jumbo loans. First-time homebuyer? No problem! I’m here to answer all your questions and make the process fun and stress-free.

Showcasing Our Valued Partners: A Comprehensive Display of Collaboration and Mutual Success

Hear From Our Happy Clients: Their Stories

Cris and his team have undoubtedly exceeded my expectations with handling loan processes and strategies, from pre-approving to closing the file, I am eternally grateful for a competent, professional, kind and genuine lender partner. Cris has successfully worked with Veterans, first-time buyers, Investors and even debt consolidation clients. His attention to detail is unmatched and I have learned the hard way by using another lender who wasn’t Cris, making my clients and myself’s experience sour. When you meet Cris, trust and use his services, for LIFE!

Leia S.

Homeowner

I want to highly encourage anyone needing assistance regarding mortgage services or financial planning to reach out to Chris and his team! I was in a tough situation and immediately touched base with Chris to identify option based on my custom situation. Within 24hrs we were on the phone discussing how to move forward to help me accomplish my goals.

Danny S.

Homeowner

Cris and his team are exceptional! Their dedication to client care is unparalleled. Their outstanding communication, responsiveness, and transparency gave my clients and I peace of mind and confidence throughout every step of the loan process. Cris’s ability to find excellent solutions to any challenge sets them apart. I confidently recommend him and his team to anyone needing reliable service!

Brenda P.

Realtor

Mr Pacheco is a very knowledgeable and positive thinking individual. If you have any questions or doubts about purchasing a home, this is your guy!!! Very transparent and honest when speaking to him. I highly recommend Mr Pacheco to ease your nerves when purchasing your first home!!

John B.

Homeowner

I’m thrilled to leave a glowing review for Cris Pacheco. Cris provided exceptional service throughout the entire process, demonstrating unparalleled dedication and expertise. When faced with a complex issue, Cris went above and beyond to guide me through it, ensuring a seamless resolution. His professionalism, responsiveness, and personalized approach made my experience truly exceptional. I wholeheartedly recommend Cris to anyone in need of mortgage services. Thank you, Cris, for your outstanding support and expertise!

Angel T.

Homeowner

Cris help me and my wife purchase our first home. He was always keeping us posted of every step. The lord put me in the right hands.
If anyone is looking to buy a new home….don’t think twice contact Cris. He will do everything in his power to get you into your new home.

Oracio R.

Homeowner

Frequently Asked Questions

Who is eligible for a VA loan?

Eligibility is typically based on military service. Veterans, active-duty personnel with certain lengths of service, and spouses of service members who died in the line of duty or as a result of a service-related disability may qualify.

What are the benefits of a VA loan compared to other types of loans?

VA loans often have lower interest rates compared to conventional loans. They also do not require a down payment in many cases, making homeownership more accessible. VA loans do not require private mortgage insurance (PMI), which can result in lower monthly payments.

How can I improve my chances of getting approved for a mortgage?

To improve your chances of approval, it’s important to maintain a good credit score, manage your debt-to-income ratio, save for a down payment, and ensure stable employment and income history. We can also guide you through the pre-approval process to strengthen your offer when you find a home.

Are there any special programs or incentives for first-time homebuyers in Southern California?

Yes, there are various programs and incentives available for first-time homebuyers in Southern California, such as down payment assistance programs, grants, and special loan programs with lower interest rates or reduced fees. We can help you explore these options based on your eligibility.