Founded in 2004 in Carlsbad's Bressi Ranch district, Frontier Loan Group holds NMLS #345305 and California BRE license #01449152, combining reverse mortgage origination with complex-scenario residential lending on Innovation Way. The firm's rehabilitation lending division bundles property acquisition and contractor-estimated repair costs into a single FHA 203(k) mortgage, financing renovation scopes bid by contractors at Mastercraft Home Improvement and other licensed builders. Purchase, rate-and-term refinance, and cash-out refinance products operate alongside the reverse mortgage division, with particular emphasis on resurrecting loans that other originators have declined due to credit, documentation, or appraisal challenges. Every funded closing requires hazard coverage binding before the loan can record, and the firm's settlement files reference policies written by Carlsbad carriers at Hayek Insurance for the required coverage confirmation. The reverse mortgage division underwrites HECM Standard, HECM for Purchase, and proprietary jumbo reverse products for San Diego County properties exceeding the current FHA lending limit.