Operating under NMLS #1860550 and California DRE license #01510015, MJS Mortgage in Encinitas originates residential loans for one- to four-unit properties from the Encinitas Boulevard corridor. The product menu spans conventional, jumbo, FHA, VA, home equity, and reverse mortgage programs, a product breadth that intersects with the property-tax and deduction calculations Pacific Pro Tax Solutions prepares for Encinitas homeowners each filing season. Individual originator NMLS #310224 attaches to every loan file, providing a single traceable license number through the NMLS Consumer Access registry for borrower verification. Reverse mortgage origination under the FHA's Home Equity Conversion Mortgage program requires HUD-specific appraisal and property-condition standards, a due-diligence layer that complements the structural evaluations performed by Harper Property Inspections during purchase transactions. HECM disbursement calculations factor the principal limit based on borrower age, current interest rate, and appraised home value using HUD's program tables for maximum claim amounts.