Through Guild Mortgage's Otay Lakes Road branch in Chula Vista, loan officer Erelvia De La Luz holds individual NMLS #1381469 and specializes in first-time-buyer programs under the company's national NMLS #3274 charter. The practice specializes in first-time-buyer programs that frequently involve borrowers assembling immigration and residency documentation through services such as Dina's Immigration Services to satisfy lender identity-verification requirements. De La Luz established her lending practice in 2015 and is licensed by the California Department of Financial Protection and Innovation under the Residential Mortgage Lending Act. Each closed purchase file routes through title-insurance underwriting at companies including First American Title Company, which issues the lender's and owner's policies that protect against chain-of-title defects. Highest-complexity originations include FHA 203(b) purchases with gift-fund layering, requiring source-and-transfer documentation for each deposit exceeding 1% of the sales price under HUD Handbook 4000.1 guidelines.