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Cris Pacheco - VA, Self-Employed, Mortgage Specialist NMLS #1961452

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Rancho Cucamonga, CA
Cris Pacheco - VA, Self-Employed, Mortgage Specialist NMLS #1961452

Hello everyone! My name is Cris Pacheco and I am a Certified Mortgage Advisor & a VA Home Loan Specialist based out of the Orange County area.

Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout CA
Personal NMLS1961452
Branch NMLS1838866 | Company NMLS3029 Purpose-Driven Life (Saddleback) is what I live by. I’m a proud veteran (USMC/1833) and have been in the civilian world since 2018. I am an Alumni of USC’s Master of Business for Veterans since 2019 (dream school). Wealth Accumulatio

n for my clients has become my true passion and I absolutely love working with our Military & Veteran Community! All the Glory to God. Personal NMLS1961452

03/04/2026

Helping clients during the day… learning trending sounds at night. 🎶

All jokes aside, if you’re curious about what’s going on with mortgage rates, thinking about buying, or wondering if refinancing could save you money, let’s chat.

I’m always happy to help. Reach out anytime. 💬

03/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗠𝗮𝗿𝗰𝗵 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗹𝗼𝘄𝗲𝗿 👍
Mortgage rates didn’t move much last week, but dipped just low enough to generate headlines about reaching their best levels since 2022. Despite the media attention, rates really only moved slightly lower for the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗶𝗻𝗴 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Rates ended last week looking like they might be ready to move lower, but military action in the Middle East over the weekend quickly changed the mood. Rates are starting this week higher and potentially more volatile. While they’re not in danger of jumping sharply, it’s a good idea to stay in touch with your mortgage professional and keep an eye on how things develop.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: This week has quite a few important reports, most notably Friday's BLS jobs report, including unemployment figures. Economic data will still play a role but may be less important depending on how things play out in the Middle East.
- Military action in Iran: The situation in Iran has pushed up oil prices, along with speculation that prices could move significantly higher from here. That has sparked fresh concerns about inflation and has pushed up bond yields, which have pressured mortgage rates higher.

02/25/2026

If you’re going to quit one thing in 2026... quit waiting for “perfect” rates.

Yes, rates go down.
Yes, they go up.
Yes, they change.

But they usually don’t drop to the magic number everyone is hoping for.

I watch what’s happening in the market all the time. If there’s a big shift, I know. That’s part of my job.

But here’s what most people forget:

👉 The interest rate is only ONE part of the mortgage.

There’s also:

• How you structure the loan
• Whether you can refinance later
• Your long-term plans

You don’t win by trying to perfectly time the market.
You win when the numbers make sense for you and your life.

If you’re curious about where rates are, where they might be headed, and if you could be saving thousands right now, send me a message.

We can take a look at it together.

02/23/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟯, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 👍
Mortgage rates were basically unchanged last week, not even showing much movement on a day-to-day basis.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗿𝗲𝗺𝗮𝗶𝗻 𝗹𝗼𝘄 𝗯𝘂𝘁 𝘂𝗻𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates are not likely to make any significant improvement from here unless something unexpected occurs. With little in the way of economic data or other fundamental events to help improve mortgage bond prices, the basis for mortgage rates, it is unlikely we see rates move much lower. On the flip side, it is also unlikely that rates will creep higher. Any moves we do see this week should be small.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There are only a couple of weekly labor reports on the calendar this week, along with wholesale inflation data on Friday. None of these are likely to have much effect on mortgage rates.
- The Fed: Normally the outlook for potential Fed rate cuts plays a role in mortgage rates, but markets are currently not expecting a rate cut until June at the earliest, and even that is only a coin-flip proposition according to markets.

02/18/2026

Rent can feel cheaper right now, but rent usually goes up.

A mortgage payment stays steadier.

Each payment builds equity, and your home may go up in value.

Owning has repairs.
Renting has rent hikes, moving, and no control.

In 30 years you can own a home.
In 30 years of renting, you don’t.

02/16/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟭𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Mortgage rates moved slightly lower this week, helped along by inflation that fell to a nearly five-year low. Rates were surprisingly unaffected by the jobs data, which came in showing a more resilient labor market than expected.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Rates could continue to make some small gains this week if economic data comes in showing a cooler economy and if the current momentum continues that has helped bond yields fall. Rates don't appear to have much room to move lower, though. On the flip side, if rates do move higher, it won't be much.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Presidents Day: Markets are closed Monday for the holiday, making Tuesday a possibly more volatile day for rates as trading resumes.
- Economic data: This week has another inflation report, as well as some smaller economic reports through the week. There’s nothing on the calendar that should cause any big moves or make any particular day more likely to see movement in mortgage rates.
- Fed minutes: Minutes from the Fed's last meeting will be released this week, but shouldn't cause any concerns among investors that would affect mortgage rates.

02/11/2026

🏡 Looking at homes without a pre-approval is like trying to run a race without being signed up.

You can still tour homes.
You can still like a house.
But when it’s time to make an offer, other buyers are already prepared.

Getting pre-approved helps you move faster when it matters.
Sellers tend to take these offers more seriously.
And you avoid last-minute surprises.

It doesn’t change the market.
It just helps you be ready when the right home shows up.

If you want to talk about getting pre-approved, feel free to reach out.

02/09/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟵, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates were slightly worse in the early part of the week, before improving after Thursday's jobs data showed a softening labor market, opening the door ever so slightly to the possibility of a Fed rate cut in the first half of the year. Rates improved to end the week basically unchanged.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
Markets will once again be watching labor data after last week's BLS jobs report was delayed due to the partial government shutdown. Rates could end the week improved depending on how the labor data and consumer inflation data come in this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: Last week’s BLS jobs report was delayed until this Wednesday, which could give mortgage rates a chance to improve. Markets reacted strongly to last week’s data, so if this report shows weakness, rates could once again improve, although we aren't likely to see a big drop in rates.
- Inflation data: Consumer inflation data will be released on Friday, and any sign that inflation is continuing to fall could help rates improve. Although it is possible inflation may not drop much, it is unlikely that it will move higher, which could pressure rates.

02/04/2026

Don’t let 𝘯𝘰𝘵 getting pre-approved cost you your dream home.

Why does being pre-approved matter? 🤔

👉 A pre-approval means you’ve already shared your income, assets, and credit with a lender to determine exactly how much you could qualify for.
In many cases, this can make your offer stronger and help you stand out in a competitive situation.

On the other hand…
If you fall in love with a home without being pre-approved beforehand, you’re often several steps behind another buyer, and sellers may not take your offer as seriously.

Ready to start the process and get pre-approved?
Give me a call or send me a message. I’m happy to work with you to figure out what you could qualify for based on your situation and where you are in the home buying process.

The conversation is completely free, my goal is to help you make the best move when the time is right. 🏡👍

02/02/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Mortgage rates stayed low last week but didn’t move any lower. With the Fed holding policy rates steady and no surprises from the meeting or Fed Chair Powell's press conference, markets had little to react to, keeping mortgage rates stable through the week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Markets will be watching several labor market reports this week, but mortgage rates may not react as strongly as they usually do because there’s still a lot more data coming before the Fed meets again in March. Rates are likely to stay low, though probably not quite as low as they were a couple of weeks ago.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor market data: A number of labor market reports are coming out this week, including job openings, layoffs, private payrolls, and unemployment claims. The most important report will be Friday’s BLS jobs data, which includes unemployment, job growth, and wage information that could affect mortgage rates this week.
- Economic data: A few additional reports will be released this week that could cause small day-to-day changes in mortgage rates, but nothing that’s expected to push rates meaningfully higher or lower.

01/28/2026

The market is always moving, and waiting for the “perfect time” can quietly turn into missing a really good one.

Rates have been easing lately, and honestly, a lot of people haven’t even noticed yet.

If buying has been on your mind, this doesn’t have to be a big, scary decision. It can start as a simple conversation.

You don’t have to time the market. You just have to be ready when the moment feels right. If you want to potentially save big or take the first step. Now would be the time. Send me an email or a message, and let's talk.

I’m happy to help you get there 🏡☕

01/26/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟲, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates jumped last week as markets reacted to two big developments. First, a bond selloff in Japan spilled into global bond markets. Second, rising geopolitical tensions driven by talk of the U.S. taking over Greenland and possible tariffs on European allies added more pressure. While tensions eased somewhat later in the week after a framework for a deal was announced, mortgage rates improved but remained elevated.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝘀𝘁𝗶𝗹𝗹 𝗹𝗼𝘄 👍
Although rates are higher than the recent lowest levels of the year, they remain lower than at almost any point last year. That’s likely to remain the case this week, although there could be some volatility following this week’s Fed meeting and press conference.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed wraps up its meeting on Wednesday, and no policy rate changes are expected. The bigger question is what Fed Chair Powell says afterward, since his comments often cause rates to move as markets try to figure out what could come next.
- Economic data: There’s some data coming out this week that could move rates a little, but nothing that should cause concern about higher rates or meaningfully push rates lower.

Address

8577 Haven Avenue STE 201
Rancho Cucamonga, CA
91730

Opening Hours

Monday	8am - 9pm
Tuesday	8am - 9pm
Wednesday	8am - 9pm
Thursday	8am - 9pm
Friday	8am - 9pm

Website

https://pachecoteamloans.com/, http://crispachecomortgage.com/

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