Coastal OC · Service Area
Your Mortgage Lender in Newport Beach
Cris Pacheco is a mortgage loan officer based in Newport Beach, California, on East Pacific Coast Highway. Most Newport Beach purchases are jumbo territory, and Cris structures full-doc jumbo, bank statement jumbo for business owners, and $0-down VA jumbo for Veterans with full entitlement.
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Buying or refinancing in Newport Beach
Newport Beach is where the team's office sits and where the price points demand a broker who can shop multiple jumbo investors rather than force your file into one bank's box. Reserve requirements, interest-only options, and second-home rules vary dramatically between jumbo lenders — pricing the same file three ways is normal practice here.
A huge share of Newport buyers are entrepreneurs: bank statement and asset-depletion structures come up constantly, and they pair with jumbo amounts — a combination many retail lenders simply can't write. If your CPA does their job well, your tax returns won't tell your real story. That's solvable.
Loan programs that fit Newport Beach
Also serving near Newport Beach
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Newport 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.
Newport Beach — Common Questions
+Can a Veteran really buy in Newport Beach with $0 down?
With full VA entitlement there is no VA loan limit, so qualified Veterans can finance seven-figure Newport Beach homes with no down payment. Lender overlays vary at these amounts — that's exactly why a VA-specialist broker matters here.
+I'm self-employed — can I qualify for a Newport Beach price point?
Yes. Bank statement jumbo programs qualify you on 12–24 months of deposits instead of tax returns, at loan amounts that fit coastal Orange County. Cris closes these regularly.
Ready to make a move in Newport 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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