Darren Pike at Finance of America Mortgage in Encinitas originates residential purchase and refinance loans under NMLS #258984 from the Village Park Way office in New Encinitas. The branch's FHA 203(k) rehabilitation loan program pairs purchase and renovation financing into a single mortgage, structuring contractor draw schedules with Alliance Green Builders to release funds at each completed-work inspection. Finance of America Mortgage (NMLS #1071) maintains direct-lender status under the California Department of Financial Protection and Innovation, offering conventional, FHA, VA, and jumbo products calibrated to San Diego County conforming limits. Qualification for self-employed borrowers requires CPA-prepared personal and business tax returns, documentation workflows coordinated through Adam R. Rosenberg & Company, CPAs to verify income across multiple filing entities. Reverse-mortgage products under FHA's Home Equity Conversion Mortgage program convert accumulated equity in Encinitas homes into structured disbursement plans without monthly repayment obligations.