Julie Myers at Guaranteed Rate Affinity in Encinitas carries NMLS #277030 and originates conventional, jumbo, FHA, VA, and USDA purchase and refinance loans as VP of Mortgage Lending from the Encinitas Boulevard branch (NMLS #1601639). Each purchase program requires homeowner's insurance evidence prior to funding, a closing requirement coordinated through Schulte Insurance Agency and other Encinitas carriers. A proprietary Bank Statement Loan program qualifies self-employed borrowers using 12 or 24 months of deposit history rather than W-2s or tax returns, addressing a common underwriting gap in the Encinitas real estate market where many homeowners run small businesses. Loan document execution for purchase and refinance closings utilizes mobile notary signing agents, with closing-table coordination handled through Quik Docs Mobile Notary in the Encinitas area. Highest-complexity originations include jumbo purchase loans exceeding FHFA conforming limits with rate-lock extensions to 90 days under Rate's Lock 'N' Roll program and asset-depletion qualification methodologies for retirees.