Team L & K at Point Mortgage Corporation originates residential loans in Chula Vista from 2421 Fenton Street Suite A in ZIP 91914, operating under Point Mortgage's company NMLS #231073. Real estate closings that involve boundary disputes, easement questions, or title exceptions require attorney coordination, and the Fenton Street lending corridor connects to firms such as Equity Legal LLP of Chula Vista for transactional real estate counsel. Point Mortgage Corporation was founded in 2000 and maintains licensing in over 30 states, offering this branch access to conventional conforming, FHA, VA, USDA, and jumbo loan products through its direct lending and broker channels. FHA and VA purchase transactions underwritten at this office require a Section 1 termite clearance report as a condition of the appraisal, a requirement fulfilled by Wood Destroying Organism inspectors such as Nixtermite Inc. operating across the Chula Vista market. The branch processes VA purchase loans using the Certificate of Eligibility system to calculate remaining entitlement, applying the VA's tiered funding fee schedule that ranges from 1.25% to 3.3% of the loan amount based on service category, down payment percentage, and prior VA loan usage.