What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
As your trusted loanDepot loan consultant, I will walk you through every step of the loan process and support you from pre-approval through your closing date. This website will be a useful resource for you throughout your loan process and provides many tools for you to utilize to ensure this is a stress-free experience. Whether you are a first time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs. Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
CA LIC# CA-DFPI859617
Mortgage Education Videos
user6890899 from Irvine , CA via Zillow
i was introduced to Chris by a friend during my re-fi process. I was about to finalize the lender when I was introduced to Chris. He was able to beat the best rate I had by 25 points and better closing cost. Rest of the process was smooth, there was good communication about the process, what to expect next. I was able to get hold of Chris when needed, even in evenings and he was able to close ahead of promised closing date. I will surely go with Chris for next home purchase or not hesitant to recommend him to my friends like one of my friend did that to me.
Peter E. from San Diego , CA via Zillow
This may be a long review so I won't bury the lead. If you are looking for a lending officer who is honest, has your best interests and will fight for you, then look no further. Chris Contreras got me an UNBEATABLE rate and made the whole process so easy that when I closed I couldn't believe it was all done. It felt way too easy! Here's the full breakdown. My initial mortgage estimate was provided by the broker that provided my pre-approval letter. At the time, this was about the average rate according to some research I did so I did some shopping to see if I could get a better rate. I called 2 banks and 3 different mortgage brokers. Bank of America, and Chris specifically, was 2nd option I called based off of a recommendation from my sister. Chris had helped her with her mortgage and my father's HELOC several years back. To be honest I wasn't looking forward to calling a "big bank" because of all the horror stories I've heard. I didn't want to deal with any car salesman games and marketing ploys. From our first talk over the phone to the last one congratulating me on my new home, Chris was always professional, direct and honest. He told me without sounding like a salesman that he could get me the best rate. I told him I still wanted to do some shopping and he actually encouraged it because he knew no one else could beat him. AND HE WAS RIGHT. No one else could meet or beat what Chris was offering. My mind was made. Throughout the process I learned that Chris was a great communicator. I was never lost in the process and Chris always called me to give me an update of my loan. If I ever had a question, he was always there to pick up the phone or shoot me a quick message. This included after working hours, on weekends, and one time while he was actually on vacation! I didn't know and felt terrible but Chris couldn't have been more understanding. I could keep singing Chris' praises but there's a character limit so I'll just end it here by reiterating what others and I have already said. Chris is a driven and experienced professional who you can trust. Thank you Chris for helping me buy my first home and making it so smooth.
Hy House from Escondido , CA via Zillow
I had my doubts at first about working with Bank of America. Like many potential home-buyers, I've heard horror stories about working with them to close on time and treat me right. They're too big to care, they never close on time, they only work 9-5 hours, and on and on. I was scare to put my family's dream home in the hands of such a large and faceless corporate giant. When I shopped for my rates, Bank of America stuck out as the lowest 30-year fixed, I could find. Not convinced, and believing it was just a gimmick to lure me into an application, I continued to ignore them for a while. At the end of endless rate shopping, I figured what the heck and tried BofA. I submitted an online inquiry and was immediately contacted by...a human being on the other end of the phone - Mr. Chris Contreras. What shocked me was Chris called me at 6:45PM - after normal bank closing hours. He was absolutely professional, courteous, and honest about what he can and cannot do for me. He wasn't pushy and tried to influence my decision. Wow. Chris' provided me with an excellent rate quote and quickly followed up with it with an immediate written quote at 7:30PM. Yes, he followed through in the evening, breaking my previous negative views of BofA. Things got serious when my offer was accepted but Chris was still not pushy to select him as my lender, but continued to offer support and answered my questions knowing fully well that I may not be using him as my lender. What a professional! Chris' game and dedication only stepped up from there as he rapidly qualified me, approved, and ordered documents as soon as I committed to him. He worked relentlessly to ensure my agent, escrow office and my wife (yes, my wife) were all on the same page. When there were any hiccups, Chris and his team stepped in working late into the night, coming up with solutions, calling the right people to resolve and close my loan earlier than expected. He pulled off a miracle and sent documents, signed escrow and funded on the same day. Not going with Chris is like getting into fight with one hand tied behind your back. So do yourself a favor and get someone that's as dedicated to you and your family's happiness as he is.
MayS from Irvine , CA via Zillow
Had to close the loan out within 3 weeks of going into escrow - Chris moved quickly, was always available to guide through the process and very responsive to any concerns from either me (Buyer) or the Seller. Rate was a bit lower than expected, though closing costs were higher - but overall will def. recommend Chris!
Ferdie Villanueva from Riverside , CA via Zillow
Very professional! The whole process was a circus, but He's there with us till the end. Chris was very knowledgable and knew what he was talking about. We encounter an issue during the final approval of the loan "Under Writer thing" but Chris fight for us. This guy is heaven sent, He made impossible to possible. I would definitely recommend him to my family and friends.
jandjquiambao from Whittier , CA via Zillow
Christopher is amazing at what he does! My husband and I were originally going to go with a different lender but I decided to compare rates from my bank and that's where I met Chris. I've been told by a couple of people that using a big bank over a small lending company would make home buying a lot more stressful but he definitely proved everyone wrong. After our first meeting, he answered all our questions with the kind of confidence you want in someone helping you purchase your first home. He explained everything in a way that was easy to understand and very reassuring. Purchasing a home is an exciting experience but can also cause lots of anxiety. Chris put us at ease throughout the whole process. He was accessible and quick to respond even on his days off. He's a go-getter and closed our loan within a weeks time! His honesty and professionalism went above and beyond our expectations and we highly recommend him!!
Ricardo Rosillo from E RNCHO DMNGZ , CA via Zillow
Chris was very helpful and responsive. He helped me every step of the way. He answered all my questions and was very detailed. He was able to give me a better rate then any competitor and was able to apply a 5000$ grant towards my closing cost . I would highly recommend Chris to anyone looking for a home loan or other financing needs.
socaljcb5150 from Lynwood , CA via Zillow
Christopher helped make my first time home buying experience a memorable one. Our home purchase was very complicated due to the sellers but Christopher helped ease the transaction and stood by us every step of the way. He definitely made this experience for my wife and I a great one.
Gillian from Los Angeles , CA via Zillow
I worked with Christopher on getting a home loan for my first house. From the start, not only was he extremely profession but he acted like a genuine friend who had my best interest at heart. He worked hard to hit the numbers I needed in order for me to meet my target mortgage amount. I worked with other loan officers on previous escrows that I was in and none of them were as attentive and knowledgeable as Christopher. He was happy to take my calls and emails day or night and answered everything I asked with patience and clarity without hesitation or frustration. He made my experience buying a house so much less stressful and for that I will always be grateful. I would recommend him to anyone buying a house.
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Chris ContrerasHuntington Beach Branch
I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.