Discount Mortgage AI in Chula Vista's Broadway corridor operates from H Street under CEO Eric Mitchell, NMLS #282876, deploying an AI-driven platform that enables borrowers to self-originate mortgage applications using soft-credit-pull pre-qualification. The technology stack automates rate-lock comparisons across purchase, refinance, and debt-consolidation scenarios, a transparency model that complements the credit-resolution strategies offered by Debt Solution Law Group for applicants rebuilding qualification profiles. Mitchell authored The Why of Money and launched the consumer self-origination platform in 2023 after developing mortgage-technology systems for more than 200 loan officers at Client Direct Mortgage. The portal also processes FHA 203(k) rehabilitation applications by folding contractor scope-of-work budgets — including kitchen renovations from Trophy Kitchens — directly into the total financed amount. Bilingual service in English and Spanish extends across conventional, FHA, and VA pipelines, with the AI engine benchmarking each scenario's APR against wholesale-rate sheets in real time without lender-origination fees.