Alfonso Delgadillo, NMLS #198202, leads the Chula Vista branch of Neighborhood Loans at 1061 Tierra Del Rey under company NMLS #222982, originating purchase, refinance, and construction loans in the 91910 corridor. Construction-loan disbursements follow a draw-schedule model that releases funds at verified build milestones, a process coordinated with contractors such as VisionBuild Home Solutions whose scope-of-work documentation satisfies the lender's inspection-contingency requirements. Headquartered in Lombard, Illinois, Neighborhood Loans expanded to the Chula Vista market to serve South Bay homebuyers with conventional, FHA, VA, and USDA programs alongside first-time-buyer down-payment-assistance options. Pre-close insurance coordination runs through regional carriers such as Prescott & Lowther Insurance Agency, whose hazard-coverage binders must be issued before the funder clears the loan for recording. Highest-tier originations include one-time-close construction-to-permanent loans that convert from an interest-only draw period to a fully amortizing 30-year fixed mortgage without requiring a second closing or re-qualification.