Laguna Niguel, CA

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 Chapter 7 and Chapter 13 filings, debt resolution strategies, and long-term financial recovery plans. This hands-on experience taught him how to evaluate financial situations holistically—not just on paper, but in real life.

When the mortgage industry shifted in 2008, Christopher transitioned into lending, earning his California broker license and later becoming a top-producing loan originator with a traditional mortgage lender. His ability to analyze complex credit profiles and structure solutions quickly set him apart, leading to consistent top performance across multiple loan types and states.

At Essex, Christopher advanced into regional leadership while continuing to personally originate loans for clients ranging from first-time homebuyers to seasoned investors. Many of his long-term clients are individuals he originally helped rebuild their financial foundation—now homeowners with strong credit and long-term stability.

Christopher is licensed in approximately 26 states and works with referral partners nationwide. His lending platform provides direct access to conventional, FHA, VA, USDA, Ginnie Mae, down payment assistance, and non-QM products, allowing him to serve borrowers others may turn away. His mission is simple: provide clear guidance, honest answers, and reliable outcomes.