Guild Mortgage - Elizabeth Holtzapple in Chula Vista handles purchase and refinance origination under NMLS #1900114 from the 333 H Street branch, processing conventional, FHA, and VA loan applications for the western neighborhoods along the Broadway Corridor. Each transaction requires a title search and lender's title insurance policy, with the H Street branch routing title orders through local providers including First American Title Company to clear liens and encumbrances before funding. The branch operates under Guild Mortgage's NMLS #3274 umbrella, giving individual loan officers access to the company's proprietary down-payment-assistance and community-lending programs alongside standard Fannie Mae and Freddie Mac conventional products. Guild's 1960 founding in San Diego positions the H Street branch within a lender carrying over six decades of continuous origination and servicing history in the local market. Loan document execution for the branch's purchase and refinance closings requires notarized signing of deeds of trust and closing disclosures, a process handled by mobile and office-based services such as Chula Vista Notary Public Services. The office underwrites FHA 203(b) and conventional HomeReady products with loan-to-value ratios up to 97%, structuring subordinate-financing stacks that layer CalHFA and county down-payment grants for buyers in the 91910 ZIP code.