AmNet Direct in Chula Vista serves as the consumer-lending division of American Mortgage Network (NMLS #1833427), an employee-owned ESOP corporation headquartered on the second floor of 347 Third Avenue. Founded in 2019, AmNet structures its ownership as the first debt-free mortgage-based Employee Stock Ownership Plan in the industry, a corporate model that aligns originator incentives with borrower outcomes across conventional, FHA, VA, and jumbo loan products — the same purchase-financing pipeline that triggers termite-clearance inspections through providers such as Orkin on VA transactions. The Third Avenue office sits in Chula Vista's downtown commercial core near the Broadway and H Street intersection, serving first-time buyers and refinance clients throughout the South Bay under the leadership of president and CEO Joseph S. Restivo. Pre-closing property compliance for FHA appraisals often flags HVAC deficiencies that require repair before the lender will issue a clear-to-close, a conditional-approval step that routes work orders to mechanical contractors such as Air Pro Heating & Air for system certification. The firm's highest-complexity originations involve VA Interest Rate Reduction Refinance Loans processed under the VA's net-tangible-benefit test, requiring verification that the new rate reduces the veteran's monthly payment by at least 5 percent or converts an adjustable-rate mortgage to a fixed-rate structure under 38 CFR § 36.4307.