Christine Eskina
Branch Manager

At almost 30 years in the industry I have a wealth of knowledge to share with new homebuyers, real estate agents and even investors. At 15 years old I started as a hostess at a new housing track which gave me a taste of the business. In 1992 I took a receptionist job not knowing I was signing up for a lifetime membership but here I am and on most days I still love my job. I have helped in the funding department, been a processor, a processing supervisor, a notary and a Jr. Underwriter before becoming a loan officer. I have purchased over 20 homes myself. I have rented out and managed my own homes as well as rehabbed and flipped homes. What this has done is made me very well rounded to not only share my experiences but also think outside the box to get the job done! I don't give up on things easily. I thrive on being able to do what others can not or will not see through. I am well versed in FHA, VA, Conventional, USDA, first time homebuyers, vacation homes as well as investment properties. Also very familiar with manufactured homes as well and do them frequently. I work and know the San Bernardion mountain communities well. This includes cities such as Crestline, Twin Peaks, Running Springs, Arrowbear, Lake Arrowhead, Cedar Glen, Big Bear, Green Valley Lake and Cedar Pines Park. I also can do loans in other states outside of California. Almost 20% of my business now comes from outside of California including Texas, Tennessee and Arizona just to name a few. I am here to help!

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Areas served
  • Temecula
  • Winchester
  • Lake Elsinore
  • Murrieta
  • Nuevo
  • Perris
  • San Diego
  • Crestline
  • Lake Arrowhead
  • Running Springs
  • Big Bear
  • Orange
  • Los Angles
  • Cedar Glen
  • Cedar Pines Park
  • Menifee
  • Twin Peaks
  • Sugar Loaf
  • Moreno Valley
  • French Valley
  • Escondido
  • Riverside
  • Jurupa
  • Banning
  • Palm Desert
  • Palm Springs
  • Victorville
  • Apple Valley
  • Aguanga
  • Romoland
  • Canyon Lake
  • De Luz
  • Green Valley Lake
  • Arrowbear
  • Fallbrook
Services offered
  • Fha
  • Conventional
  • Va
  • USDA
  • Manufactured
  • First time homebuyer
  • Jumbo
  • High Balance
  • Stated Income
  • Bank Statement
  • Debt Servicing
  • Second Home
  • 1031 Exchange
  • Investment
  • Investor
  • Broker
  • Direct Lender
  • Out of State
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.