North OC · Service Area
Your Mortgage Lender in Anaheim
Anaheim spans an enormous range — starter homes and duplexes in the flats, established neighborhoods around the Colony historic district, and hillside estates in Anaheim Hills that price well into jumbo. Cris Pacheco works the full spectrum, in English or Spanish, from 3%-down first purchases to jumbo and asset-depletion files.
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Buying or refinancing in Anaheim
Anaheim Hills is a genuinely different market from the rest of the city: larger lots, view premiums, and price points that require jumbo structuring or full VA entitlement. Hillside properties also bring appraisal and, occasionally, geological considerations that are worth surfacing early.
Closer in, the Colony's historic homes carry permit history and older-construction questions, while the city's substantial duplex and small multi-unit stock makes Anaheim one of North OC's better house-hacking markets — live in one unit, rent the others, and use projected rent to help qualify.
Anaheim also has a large Spanish-speaking population and a deep base of small-business owners tied to the tourism and service economy. Bank statement lending and bilingual service aren't add-ons here; they're the main event.
Loan programs that fit Anaheim
Also serving near Anaheim
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Anaheim and all of Orange County with EZ Fundings Home Loans, Inc. — a U.S. Marine Corps Veteran and USC Marshall School of Business alum, licensed under NMLS #1961452 (company NMLS #1156892). Verify his license independently at NMLS Consumer Access. Se habla español.
Anaheim — Common Questions
+Do I need a jumbo loan to buy in Anaheim Hills?
Often, yes — hillside and view properties there frequently exceed conforming limits, while much of the rest of Anaheim stays within them. Sometimes adjusting the down payment keeps you conforming for better pricing. We run both scenarios.
+Can I buy a duplex in Anaheim as my first home?
Yes. Owner-occupied 2–4 unit purchases qualify for low-down-payment financing — and $0 down for Veterans — with projected rental income often helping you qualify. It's one of the most practical entry points in North Orange County.
+¿Atiende Cris a clientes en español en Anaheim?
Sí, todo el proceso en español si lo prefieres — desde la primera llamada hasta la firma. Cris trabaja con muchas familias y dueños de negocio hispanohablantes en Anaheim y todo el condado de Orange.
Ready to make a move in Anaheim?
Free consultation, English or Spanish. Get a real answer about your exact scenario — no credit pull to start, and usually a same-day reply.
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