Craig Brock at American Pacific Mortgage in Encinitas operates from the Encinitas Boulevard branch (NMLS #1438220) as a dual-licensed mortgage broker and banker under personal NMLS #239770. The firm's investor-focused lending coordinates with DP Properties - Real Estate Investment Brokerage for clients assembling multi-property portfolios across the Encinitas real estate market. Zero-down-payment CalHFA first-time buyer programs, 40-year extended-term mortgages, and interest-only structures round out a product slate that also includes bank-statement qualification for self-employed borrowers documenting 12 or 24 months of deposit activity. The branch handles DSCR-based underwriting that qualifies loan amounts against projected rental income rather than personal earnings, a product structure that pairs with property-management operations at P.S. Platinum Real Estate for investors building rental portfolios near Moonlight Beach. Non-QM products include asset-depletion qualification and no-income-verification investor loan programs for borrowers with substantial liquid reserves.