Why Work With Christopher
Buying or refinancing a home in Orange County means navigating one of the most competitive real estate markets in the country. I built my practice around two things: superior service and smarter pricing. That means being reachable when you have questions, walking you through every option honestly, and structuring your loan to fit your actual goals — not just the fastest close.
I work with borrowers across the full spectrum: first-time buyers using FHA or VA financing, move-up buyers competing in Newport Beach and Laguna Niguel with jumbo loans, real estate investors building portfolios with DSCR financing, and self-employed professionals who need Non-QM or bank statement programs because their tax returns don't reflect their true income.
In Q1 2026, I was recognized as a Top 10% Loan Officer by Volume at EMC — a reflection of the trust clients and referral partners have placed in me. But the number I care most about is the one after closing: whether you'd send a friend or family member my way.
Licensed to Serve You, Wherever You Are
While my practice is based in Orange County, California and I focus heavily on Mission Viejo, Irvine, Newport Beach, Laguna Niguel, Lake Forest, and Aliso Viejo, I hold active mortgage licenses in ten states: Arizona, California, Colorado, Florida, Idaho, Michigan, New Mexico, Tennessee, Texas, and Virginia. See the full list on the state licenses page.
Credentials
- NMLS# 1404324 — verify at NMLS Consumer Access
- Mortgage Lending Specialist, E Mortgage Capital, Inc. (NMLS# 1416824)
- EMC Top 10% Loan Officer by Volume — Q1 2026
- 12+ years as a mortgage specialist
Let's Find the Right Loan for You
Call now or send your details — I typically respond within 1 business hour.