Coastal OC · Service Area
Your Mortgage Lender in Laguna Beach
Laguna Beach properties are art: hillside lots, ocean-view cottages, unpermitted additions, and comps that don't behave. Financing here is jumbo by default and succeeds on preparation — appraisal strategy, property condition review, and a lender who has seen weird files before.
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Buying or refinancing in Laguna Beach
A Laguna Beach client review says it best: "one of the only lenders in the industry to perfectly put together a bank statement loan and close." Self-employed buyers and unique properties are the norm here, not the exception — which is exactly the file type Cris's non-QM toolkit exists for.
Hillside access, septic vs. sewer, view easements — Laguna's quirks show up in appraisals and underwriting conditions. Flagging them in week one instead of week four is how escrows here close on schedule.
Loan programs that fit Laguna Beach
Also serving near Laguna Beach
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Laguna 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.
Laguna Beach — Common Questions
+Can unique Laguna properties still get standard financing?
Usually yes — but the appraisal and property review need managing from day one. Where a property truly falls outside standard guidelines, portfolio and non-QM options fill the gap.
Ready to make a move in Laguna 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.
★★★★★ 210+ five-star reviews · Texts answered same day · Ready to apply? Start your application