South OC · Service Area
Your Mortgage Lender in Dana Point
Dana Point's harbor, bluff-top view homes, and Lantern District condos make it a jumbo and second-home market. Cris Pacheco handles full-doc jumbo, bank statement jumbo for business owners, and $0-down VA jumbo for Veterans buying on the South Orange County coast.
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Buying or refinancing in Dana Point
View premiums drive Dana Point values, and appraisers vary in how they support them. On bluff and hillside properties, an appraisal that misses the view comp can cost you the deal. Preparing the file — and the appraisal package — with that in mind is standard practice here.
Second-home and investment purchases are common, and both carry different down payment, reserve, and rate treatment than primary residences. Condo financing in the Lantern District adds HOA review: owner-occupancy ratios, reserve funding, and litigation status can all affect which loans a building qualifies for. We check the HOA before you're emotionally committed.
For Veterans, Dana Point is very much in reach with full entitlement and no VA loan limit — the harbor lifestyle at $0 down surprises people who assumed coastal OC was off the table.
Loan programs that fit Dana Point
Also serving near Dana Point
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Dana Point 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.
Dana Point — Common Questions
+Is financing a Dana Point condo different from a single-family home?
Yes. Lenders review the HOA itself — owner-occupancy percentage, reserves, insurance, and any litigation. A building that fails review limits your loan options regardless of how strong you are as a borrower, so we check the HOA early.
+How does a second home change my loan terms?
Second homes typically require a larger down payment, more reserves, and price slightly higher than primary residences. Investment properties go further still — and that's often where a DSCR loan becomes the better tool.
+Can a Veteran buy a Dana Point home with no down payment?
For a primary residence, yes — full VA entitlement carries no loan limit, so harbor-area prices are financeable at $0 down. VA loans can't be used for second homes or pure investments.
Ready to make a move in Dana Point?
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