As a women-owned mortgage practice, Mirna Rios Home Loans in Chula Vista originates purchase, refinance, and investment-property loans through Clear Mortgage Capital, Inc. (NMLS #1935005) from the Fenton Street office in Eastlake. Closing-document logistics for the practice's purchase volume run through mobile notary and livescan operations, including PRS Livescan and Notary Services, to accommodate flexible signing schedules across the South Bay. The practice covers conventional conforming, FHA, VA, jumbo, and investment-property financing, with Clear Mortgage Capital's minimum credit-score threshold set at 500 for purchase and refinance applications. A Sweetwater High School graduate, Mirna Rios built the practice within the Chula Vista community she grew up in, serving first-time buyers and seasoned homeowners across the 91914, 91913, and 91915 zip codes. Renovation-loan products through the Fenton Street office pair buyers with area design and construction partners such as Stellhous for the architectural plans and contractor bids required by FHA 203(k) rehabilitation underwriting. The office structures investment-property purchases with conventional financing requiring 15-to-25 percent down and underwrites multi-unit acquisitions up to four units using rental-income projections from the subject property's appraisal.