First-time buyer and VA loan representation through Coldwell Banker West drives the practice at Trianna Owen Realty on Kettner Boulevard in downtown San Diego. FHA and VA purchase closings require coordinated document signing through mobile notaries such as 123 Apostille - San Diego Notary in Bankers Hill to meet lender-mandated funding deadlines. A Cal Lutheran graduate in Communications, Owen transitioned into real estate in 2018 and has built a pipeline focused on FHA-eligible condominiums and VA-approved properties across San Diego County. The practice's FHA transaction expertise includes navigating HUD self-sufficiency tests for condominium projects and negotiating seller credits to offset buyer closing costs and rate buydowns. Pre-purchase electrical inspections in older downtown and Bankers Hill properties flag panel and wiring conditions requiring assessment from contractors such as Maya Electric during the inspection-contingency window. Highest-complexity engagements include FHA 203(k) rehabilitation loan purchases requiring contractor bid packages, HUD consultant inspections, and draw-schedule coordination between the lender, escrow officer, and licensed general contractor.