Coastal OC · Service Area
Your Mortgage Lender in Corona del Mar
Cris Pacheco's office sits at 2824 E Pacific Coast Hwy in Corona del Mar. CdM transactions are almost always jumbo, often with unique property wrinkles — duplexes on the flower streets, condos over garages, remodeled cottages on small lots — that reward a lender who walks the file into underwriting personally.
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Buying or refinancing in Corona del Mar
Corona del Mar's housing stock is unlike anywhere else in Orange County: legacy cottages next to new construction, income units tucked behind main houses, and appraisal comps that swing block by block. Getting value and structure right up front is the difference between closing on time and losing the property.
Buyers here are frequently move-up or asset-rich clients — asset depletion and interest-only jumbo structures come up often, and Cris models them side by side with conventional approaches so the choice is a numbers decision, not a guess.
Who you would be working with
Cris Pacheco is a mortgage loan officer serving Corona del Mar 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.
Corona del Mar loan limits and price breakpoints for 2026
Orange County is a federally designated high-cost area, so it sits at the national ceiling for both conforming and FHA lending. Which tier your loan amount falls into changes your pricing and your guidelines more than almost any other single factor.
Conforming
Up to $832,750
Best available pricing. Standard Fannie Mae and Freddie Mac terms.
High-balance conforming
$832,751 to $1,249,125
Still agency-backed, but priced slightly above the baseline tier. Available because Orange County is a high-cost area.
Jumbo
Above $1,249,125
Portfolio and private-investor money. Guidelines, reserve requirements and pricing vary widely between investors, which is why shopping the file matters most here.
The highest price you can buy before your loan becomes a jumbo
What determines your tier is the loan amount, not the purchase price. More money down means a higher price while still keeping agency financing. These are the exact breakpoints at the 2026 Orange County ceiling of $1,249,125.
| Down payment | Max price, best-priced tier | Max price before jumbo |
|---|---|---|
| FHA, 3.5% down | $862,953 | $1,294,430 |
| Conventional, 5% down | $876,579 | $1,314,868 |
| Conventional, 10% down | $925,278 | $1,387,917 |
| Conventional, 20% down | $1,040,938 | $1,561,406 |
| Conventional, 25% down | $1,110,333 | $1,665,500 |
Breakpoints are calculated from the 2026 Orange County limits: baseline conforming $832,750, high-balance conforming and FHA ceiling $1,249,125. A Veteran with full entitlement has no VA loan limit, so these breakpoints do not apply to VA financing. Figures are for one-unit properties and exclude closing costs and financed FHA upfront mortgage insurance. For an exact number on your scenario, ask.
Loan programs that fit Corona del Mar
Corona del Mar mortgage questions
+Do CdM duplexes and homes with income units complicate financing?
They add wrinkles — rental income treatment, appraisal form, occupancy classification — but handled up front they're routine. Cris has structured financing for exactly these property types in the neighborhood his office sits in.
Ready to make a move in Corona del Mar?
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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