Christopher Collins brings a rare combination of legal, financial, and lending expertise to mortgage origination. Early in his career, he worked extensively with consumers facing bankruptcy and significant financial hardship, guiding them through complex financial situations and helping them rebuild. This hands-on experience taught him how to evaluate financial situations holistically — not just on paper, but in real life. Christopher is licensed in approximately 26 states and works with referral partners nationwide . His mission is simple: provide clear guidance, honest answers, and reliable outcomes. Christopher has been a Regional Manager at Essex Mortgage since 2018 and has been in the mortgage industry since 2008. He offers Conventional, FHA, Jumbo, and refinance home loans from his office in Laguna Niguel, California.