Central OC · Service Area
Your Mortgage Lender in Irvine
Irvine's master-planned villages mean HOA dues, Mello-Roos, and new-construction lender requirements are part of nearly every deal — and they all change your real monthly payment. Cris underwrites Irvine offers with the full cost picture so your pre-approval holds up in a multiple-offer situation.
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Buying or refinancing in Irvine
Irvine buyers are frequently professionals and business owners relocating for schools and safety, and listings routinely draw multiple offers. A bulletproof pre-approval — full credit and income review, not a 10-minute pre-qual — plus a lender who calls the listing agent to vouch for the file is a genuine edge.
Mello-Roos and HOA can add hundreds a month in some villages. Cris prices your payment village by village, so a 'cheaper' home with heavy Mello-Roos doesn't surprise you at closing.
Loan programs that fit Irvine
Also serving near Irvine
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Irvine 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.
Irvine — Common Questions
+Does Mello-Roos affect how much home I can afford in Irvine?
Yes — Mello-Roos and HOA dues are counted in your debt-to-income ratio, so they directly reduce your maximum purchase price in some villages. We calculate it per neighborhood before you write offers.
Ready to make a move in Irvine?
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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