Sergio Soberanes originates residential mortgage loans in Chula Vista through Skyline Home Loans, a direct lender division of Finance of America Mortgage LLC operating under NMLS #1071 from the Fenton Street office in ZIP 91914. Every purchase file requires a homeowner's insurance binder at closing, and Soberanes's borrowers in the 91914 corridor frequently bind coverage through carriers represented by Pronto Insurance Agency before final loan docs ship. The Fenton Street branch participates in San Diego Housing Commission first-time homebuyer assistance programs, originating deferred-payment second liens and closing-cost subsidies for income-qualified applicants purchasing within the city of Chula Vista. Skyline Home Loans, founded in 1985, provides in-house processing, underwriting, and funding. FHA and VA purchase transactions originated from this branch require a wood-destroying organism inspection, a step coordinated with local firms such as Preferred Home Inspections to satisfy lender and appraiser conditions before clear-to-close. The branch underwrites FHA 203(b) loans using HUD's TOTAL Mortgage Scorecard automated system, applying a maximum 56.99% total debt-to-income ratio on approve/eligible findings before manual condition review.