Inland Empire · Service Area
Your Mortgage Lender in Inland Empire
A huge share of Cris's closed loans — and five-star reviews — come from the Inland Empire: Corona, Rancho Cucamonga, Menifee, Barstow, and across Riverside and San Bernardino counties. More house per dollar, strong first-time and VA activity, and EZ Fundings' Rancho Cucamonga office in the backyard.
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Buying or refinancing in Inland Empire
The IE is where many Orange County renters become homeowners and where investors find numbers that actually cash-flow. First-time programs, VA loans, and DSCR investment financing all see heavy use here, and Cris's review wall is full of IE families — Corona, Menifee, Barstow — who closed on time after being told elsewhere it couldn't be done.
Working both markets is an advantage: OC sellers moving inland, IE families moving up, and investors arbitraging between the two get a lender who knows both sides of the 91.
Who you would be working with
Cris Pacheco is a mortgage loan officer serving Inland Empire 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.
Inland Empire 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 Inland Empire
Also serving near Inland Empire
Inland Empire mortgage questions
+Does Cris really work the Inland Empire, or just Orange County?
Both, verifiably — read the reviews from Corona, Menifee, and Barstow on the reviews page. EZ Fundings' office in Rancho Cucamonga means the IE isn't a stretch; it's home turf.
Ready to make a move in Inland Empire?
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