Holding NMLS #1120450, Rodrigo Giraldez - Mortgage Originator in Chula Vista's Eastlake corridor operates through M5 Financial (NMLS #2399488, CA DRE #02199377), a San Diego-based brokerage founded in 2019 with over 20 wholesale lending relationships. The originator's purchase-transaction pipeline requires lender-mandated termite clearance before funding, a condition report sourced from providers including Orkin for properties in the 91914 corridor. Licensed in California and Texas, the practice structures conforming, jumbo, VA, FHA, bank-statement, and non-QM loans—the last two categories serving self-employed borrowers who lack traditional W-2 documentation. Home-inspection contingencies on FHA purchase files must clear before appraisal ordering, with condition assessments running through local inspectors at ACE Home Inspections Services Inc. Bank-statement loan underwriting calculates qualifying income by averaging 12 or 24 months of business-account deposits, then applying an expense factor between 30% and 50% to derive net cash flow.