Carlos Munoz - Western Capital Mortgage in Chula Vista's Eastlake area originates purchase and refinance loans as a Senior Mortgage Consultant under NMLS #1921265. The Kuhn Drive brokerage matches borrowers to loan programs across multiple wholesale lenders, pairing that rate-shopping capability with the homeowner's insurance procurement handled by area partners including Eastlake Insurance Services. Western Capital Mortgage, incorporated in 2005 and headquartered at 860 Kuhn Drive, employs approximately 36 loan originators across conventional, FHA, VA, and non-QM product lines. The brokerage model gives the Kuhn Drive team access to wholesale rate sheets from dozens of lenders simultaneously, enabling side-by-side comparisons on conforming and jumbo products for San Diego County's high-balance market. Every funded transaction requires a title search and lender's policy, documentation processed through area title operations including First American Title Company for local closings. The brokerage structures conventional, FHA 203(b), VA, and non-QM bank-statement loans, with the non-QM channel underwriting self-employed borrowers using 12- or 24-month deposit analysis in lieu of traditional W-2 verification.