Central OC · Service Area
Your Mortgage Lender in Costa Mesa
Costa Mesa is where many Orange County first-time buyers actually land: more attainable than Newport next door, with strong appreciation and a genuine neighborhood feel. Cris helps Costa Mesa buyers with conventional 3% down, FHA, VA, and multi-unit house-hacking strategies.
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Buying or refinancing in Costa Mesa
The Eastside/Westside mix means options at multiple price points, plus a meaningful stock of duplexes and triplexes — Costa Mesa is one of the best cities in OC to house-hack: live in one unit, rent the rest, and let tenants pay most of your mortgage. Veterans can do this with $0 down on a VA loan up to 4 units.
First conversations with Costa Mesa buyers are usually about payment comfort, not maximum approval. Expect an honest model of what different price points actually cost monthly before you fall in love with anything.
Loan programs that fit Costa Mesa
Also serving near Costa Mesa
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Costa Mesa 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.
Costa Mesa — Common Questions
+How much do I need down to buy in Costa Mesa?
As little as 3% conventional or 3.5% FHA — and $0 for Veterans using a VA loan. Closing costs can often be offset with seller credits. One call gets you your real number.
Ready to make a move in Costa Mesa?
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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