Hougard Loans, operating as Bayshore Home Loans in Encinitas's Old Encinitas district, holds NMLS #246875 and has originated residential mortgages from 700 2nd Street since 1987. The brokerage has processed over 2,000 closed loans across purchase, refinance, and reverse-mortgage categories, building a referral network with financial planners including Longhouse Wealth Management for clients aligning mortgage decisions with broader retirement and investment strategies. VA loans with zero-down financing and FHA loans requiring as little as 3.5-percent down payment remain core products, alongside conventional conforming and jumbo options for higher-balance Encinitas real estate transactions. The FHA's Home Equity Conversion Mortgage program allows homeowners aged 62 and older to access home equity through lump-sum, monthly, or line-of-credit disbursement structures without monthly repayment obligations. FHA 203(k) rehabilitation financing bundles acquisition and renovation costs into a single loan, requiring contractor scope-of-work documentation — including detailed bids from COAT Design Remodel — to satisfy HUD's feasibility analysis before commitment. The brokerage's most technically demanding service involves structuring HECM-for-purchase reverse mortgages that combine borrower equity contributions with reverse-mortgage proceeds to acquire a new primary residence.