As a San Diego-headquartered full-service mortgage bank, Cornerstone First Mortgage in Chula Vista's Eastlake district provides Dan Laver (NMLS #1966952) with in-house processing, underwriting, and funding under the company's NMLS #173855. The Eastlake Parkway office handles purchase and refinance transactions with renovation-loan options that pair buyers with area ADU and remodel specialists such as ADUs & Garage Conversions | Sprawl Design for scope-of-work documentation. Cornerstone First operates as both lender and broker through a dual-channel model that lets the Eastlake branch pivot between direct and brokered execution based on which channel delivers better pricing. The office provides bilingual Spanish-English loan consultations and maintains LGBTQ+-affirming practices, serving the diverse buyer demographics across Eastlake, Otay Ranch, and the broader South Bay market. VA purchase loans originated through the Eastlake branch may require wood-destroying-organism clearance reports before the appraisal satisfies VA Minimum Property Requirements, inspections handled by local firms such as GC Termite Control. The branch originates VA purchase loans with zero-percent-down financing and structures FHA 203(k) limited rehabilitation mortgages that bundle up to $35,000 in improvement costs into the primary mortgage without requiring a second appraisal or construction holdback.