Jacqueline Barraza at Clear Mortgage Capital in Chula Vista holds NMLS #1885597 and originates through Clear Mortgage Capital (NMLS #1935005) from the Fenton Street office in the 91914 Rolling Hills corridor. VA and FHA purchase transactions require lender-mandated pest inspections before funding, and the loan desk tracks Section 1 clearance reports issued by HomeShield Pest Control to prevent appraisal-contingency delays on eastern Chula Vista closings. Licensed across California, Colorado, Florida, and Texas, the Latina originator serves a bilingual buyer pool spanning Chula Vista's Eastlake and Otay Ranch neighborhoods. Renovation-loan underwriting on FHA 203(k) products requires licensed-contractor estimates, and the lending desk integrates scopes of work from builders at Sonny Builders before locking the combined purchase-and-improvement amount. Clear Mortgage Capital's multi-state licensing enables cross-border relocation transactions for military families, processing simultaneous sell-side and buy-side files across four state jurisdictions from the Chula Vista branch.