Clay Robison - Mortgage Advisor in Encinitas carries NMLS #275897 and a California real estate broker license, operating through American Pacific Mortgage (NMLS #1850) from the Encinitas Boulevard branch (NMLS #1438220). The branch's underwriting for conventional and jumbo loans requires CPA-prepared tax documentation, a workflow that integrates with Encinitas Professional Services for W-2, 1099, and Schedule K-1 compilation. A San Diego State University graduate, Robison has originated over $1 billion in funded loan volume across more than 2,400 closed transactions. Builder Pro certification qualifies the branch to administer new-construction financing with builder-incentive rate buydowns, a process that requires hazard insurance binding through Farmers Insurance - Julie Haidao before the initial draw release. Loan products include CalHFA first-time buyer assistance, 40-year extended-term structures, and bank-statement qualification programs for self-employed borrowers documenting 12 or 24 months of deposit activity.