Finance of America Mortgage LLC's Encinitas office at 1991 Village Park Way Suite 100 serves the New Encinitas corridor east of Interstate 5 under corporate NMLS #1071. The location originates purchase loans, cash-out refinances, and rate-and-term refinances, working alongside area agents such as Becca Berlinsky - Coldwell Banker Realty to move transactions from pre-approval through funding. As a DFPI-licensed direct lender, the branch underwrites FHA, VA, conventional, and jumbo products with access to Finance of America's national rate-lock and secondary-market infrastructure. FHA 203(k) rehabilitation loans allow buyers to finance both the acquisition price and renovation costs in a single mortgage, a structure that pairs naturally with local remodel contractors such as Alliance Green Builders for scope-of-work documentation. The branch's most complex origination work involves structuring jumbo purchase loans on properties exceeding the San Diego County high-balance conforming limit with blended fixed and adjustable-rate components.