South OC · Service Area
Your Mortgage Lender in San Clemente
San Clemente sits directly north of Camp Pendleton, which makes it one of the most VA-active housing markets in Orange County. Cris Pacheco — a U.S. Marine Corps Veteran and VA loan specialist (NMLS #1961452) — helps active-duty Marines, Navy personnel, and Veterans buy in San Clemente with $0 down, including VA jumbo where coastal prices require it.
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Buying or refinancing in San Clemente
If you're stationed at Pendleton, San Clemente is the commute that actually works — and the VA benefit is what makes it affordable. Cris handles the parts other lenders fumble: pulling your Certificate of Eligibility, checking whether your disability rating exempts you from the funding fee, and calculating remaining entitlement if you already used the benefit at a prior duty station.
PCS timelines don't care about lender schedules. Files here often need to move fast, sometimes with a spouse signing remotely or BAH factored into qualifying income. Having a loan officer who has personally lived the military move — not just read about it in a guideline manual — changes how those conversations go.
Above the pier and in the hillside neighborhoods, prices push past conforming limits, which is where full VA entitlement matters most: no VA loan limit means a Marine can finance a seven-figure San Clemente home with nothing down. Lender overlays vary wildly at that level, and as a broker Cris shops the file rather than accepting one bank's answer.
Loan programs that fit San Clemente
Also serving near San Clemente
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving San Clemente 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.
San Clemente — Common Questions
+Can active-duty Marines at Camp Pendleton buy in San Clemente with no money down?
Yes. Eligible active-duty service members and Veterans can purchase with $0 down using a VA loan, and with full entitlement there is no VA loan limit — so San Clemente's coastal price points are reachable. We pull your Certificate of Eligibility at no cost to confirm exactly what you qualify for.
+Can I use BAH as income to qualify for a San Clemente home?
Generally yes — Basic Allowance for Housing is typically counted as qualifying income for VA loans, and because it's non-taxable it can be grossed up in some calculations. We'll model your specific pay structure, including BAS and special pays where allowed.
+What if I already used my VA loan at a previous duty station?
You may still have remaining entitlement, or you may be able to restore it. Multiple simultaneous VA loans are possible in PCS situations. This is a common San Clemente scenario and worth a 15-minute call before you assume you can't buy.
+Am I exempt from the VA funding fee?
If you receive VA disability compensation, you're generally exempt — which saves thousands at closing. It's a detail some lenders overlook. We check it on every single Veteran file, first thing.
Ready to make a move in San Clemente?
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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