Penny DeFrance at Realty Executives Dillon in Chula Vista holds California DRE license #01984616, operating from the Eastlake office of a brokerage founded in 1994 by Terri Dillon. Her buyer-side transaction coordination pairs property identification with lender qualification through South Bay mortgage originators including The Alfonso Delgadillo Lending Team for conventional, jumbo, and VA loan structuring. DeFrance covers the eastern Chula Vista market in the 91914 and 91915 ZIP codes, serving buyers and sellers in master-planned communities along Otay Lakes Road and the Eastlake Parkway corridor near Otay Ranch Town Center. Pre-sale pest inspections for her listings are coordinated through licensed operators including HomeShield Pest Control, ensuring California Section 1 and Section 2 clearance reports are completed before MLS entry. Her most technically demanding closings involve Mello-Roos Community Facilities District bond disclosure calculations and HOA transfer-fee reconciliation across Eastlake's multiple assessment districts.