Coastal OC · Service Area
Your Mortgage Lender in Huntington Beach
Huntington Beach mixes coastal price points with real neighborhood variety, and it has one of the strongest Veteran communities in coastal Orange County. Cris — a Marine Corps Veteran himself — helps HB buyers use VA loans (including VA jumbo near the water), conventional move-up financing, and cash-out refis.
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Buying or refinancing in Huntington Beach
From inland tracts to the numbered streets by the pier, HB spans conforming to jumbo in a single city. Structuring the down payment to stay conforming — or embracing jumbo where the rate math favors it — is a real decision here, and it changes with the market. We run both.
Longtime HB homeowners sit on serious equity. Cash-out refinances for remodels, ADUs, and investment purchases are a weekly conversation, and the break-even math gets shown honestly — including when the answer is 'keep your current loan.'
Loan programs that fit Huntington Beach
Also serving near Huntington Beach
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Huntington Beach 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.
Huntington Beach — Common Questions
+Is a VA loan competitive in Huntington Beach's market?
Yes — when it's presented right. VA offers lose when listing agents fear the process, and win when the lender calls to explain the file is fully underwritten. That call is standard practice on every VA offer we submit.
Ready to make a move in Huntington Beach?
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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