Lyons Mortgage Services in Encinitas holds NMLS #58702 as a women-owned direct lender of residential and commercial mortgage loans, licensed under the California Residential Mortgage Lending Act. Founded in 1996, the firm handles full in-house underwriting for conforming, FHA, VA, portfolio, and jumbo products, coordinating homeowner's insurance documentation through local carriers such as Jake Cesare - State Farm Insurance Agent to clear closing conditions on purchase files. Multi-family, mixed-use, retail, and construction financing rounds out a commercial lending division that operates under the same direct-lending license, eliminating broker intermediaries on complex deal structures in the Encinitas homes-for-sale market. The in-house portfolio option allows non-QM and asset-based qualification paths that support purchase contracts generated by Encinitas residential teams like the De Legge Team at Pacific Sotheby's International Realty. Construction loan disbursements follow a multi-draw schedule tied to inspector-verified completion stages, with interest-only payments calculated on disbursed principal during the build phase.