Cris Pacheco — Mortgage Professional, EZ Fundings. NMLS #1961452

The Blog

Real Questions. Straight Answers.

Every post answers a question a real client asked. No filler, no rate-bait.

VA Loans

Understanding VA Loans for Commercial Properties

VA loans are for primary residences — but Veterans can still house-hack multi-unit properties. Where the line is and how to work it.

June 4, 2025 · Cris Pacheco

VA Loans

Can You Have a Cosigner on a VA Loan?

Yes — but VA loan cosigner rules are stricter than other loans. Who can cosign, how entitlement is affected, and smarter alternatives.

May 22, 2025 · Cris Pacheco

VA Loans

Navigating VA Loans During Divorce

What happens to a VA loan and your entitlement in a divorce: refinancing options, entitlement restoration, and protecting your benefit.

April 24, 2025 · Cris Pacheco

VA Loans

Can You Buy Land With a VA Loan?

VA loans can buy land — but only with a home on it or a construction plan. How VA construction loans work and the alternatives.

March 13, 2020 · Cris Pacheco

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