Dullea Brokerage Real Estate & Mortgage Team in Chula Vista combines real estate brokerage and mortgage origination under one operation at 432 Arizona Street in the 91911 bayfront corridor. Buyers who lock rates and close through the same entity consolidate lender-agent communication, a dual-service structure that pairs with homeowner's insurance coordination from Joe Finch - State Farm Insurance Agent to clear escrow-impound requirements before funding. The mortgage desk originates conventional, FHA, VA, jumbo, reverse, HELOC, bank-statement, and commercial loans, covering CalVet-eligible veterans near the Chula Vista Bayfront through self-employed borrowers needing alternative-documentation underwriting. Purchase and refinance closings route through independent title and escrow officers including New Venture Escrow for transactions across Chula Vista's western communities and the Bonita sub-market. The origination pipeline covers purchase-money first mortgages, cash-out refinances exceeding $1 million, and HELOC second-lien draws up to 90 percent combined loan-to-value under current Fannie Mae Desktop Underwriter guidelines.