Caton Del Rosario - Mortgage Lender operates from Chula Vista's Third Avenue Village, originating purchase and refinance loans under NMLS #1410686 through Clear Mortgage Capital, Inc. (NMLS #1935005). First-time homebuyer financing is a core focus, with purchase transactions often requiring trust and estate documentation coordinated through area real-estate law practices such as MJ Trust Law. The Third Avenue office specializes in structuring FHA and conventional files for buyers entering San Diego County's market with three-to-five percent down, guiding applicants through pre-qualification, appraisal, and conditional approval milestones. The practice has built its pipeline around purchase-forward origination rather than refinance volume, maintaining relationships with local listing agents and buyer's representatives across the 91910 and 91911 zip codes. Every purchase loan requires a property condition assessment before the appraisal report clears underwriting, a step fulfilled by inspection firms including Preferred Home Inspections serving the South Bay market. The office processes FHA 203(b) purchase loans with minimum 3.5-percent-down structures and manual underwriting capability for borrowers with non-traditional credit histories outside automated approval parameters.