Fitzpatrick Capital in Carlsbad holds company NMLS #44992 and California DRE license #01807122, originating residential mortgages from 701 Palomar Airport Road since 2003. The firm's VA loan specialization serves active-duty military and veteran borrowers at nearby Camp Pendleton and across North County, with borrower asset-verification workflows drawing on deposit histories from local branches at SDCCU La Costa Branch and other San Diego County financial institutions. Home purchase, refinance, cash-out, and investment-property products round out the lending menu, with jumbo-loan capability extending to high-value properties in Carlsbad's Aviara and La Costa corridors. Borrowers holding title in revocable living trusts coordinate estate-structuring considerations with attorneys at The Estate Planning & Legacy Law Center before loan documents record. The firm underwrites VA purchase loans with zero-down financing and no private mortgage insurance requirement, structuring funding-fee calculations against the current VA entitlement schedule for San Diego County.