Central OC · Service Area
Your Mortgage Lender in Tustin
Tustin gives buyers a genuine range: Old Town character homes, established tracts, and new construction around Tustin Legacy. Cris helps Tustin buyers with conventional low-down programs, VA loans, and new-build financing where the builder's 'preferred lender' isn't always the best deal.
★★★★★ 210+ five-star reviews · Free consultation · No credit pull to start
Buying or refinancing in Tustin
A Tustin client's review tells the story better than we can: after her original lender abandoned the deal mid-escrow, Cris and the team stepped in and closed it. That rescue-file reputation is why Tustin realtors hand us their complicated buyers.
New construction at the Legacy comes with builder-lender incentives worth comparing, not accepting. We price against the builder's offer so you know whether the credit is actually a discount — sometimes it is, often it's not.
Loan programs that fit Tustin
Also serving near Tustin
Who you'd be working with
Cris Pacheco is a mortgage loan officer serving Tustin 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.
Tustin — Common Questions
+Should I just use the builder's preferred lender for a new Tustin build?
Compare first. Builder credits can be real savings, but they're sometimes offset by higher rates or fees. We'll price the same loan side by side so the incentive math is transparent — and if the builder's deal wins, we'll tell you.
Ready to make a move in Tustin?
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