Moose Mau in Encinitas's Old Encinitas district operates as a Senior Residential Mortgage Loan Officer under NMLS #411962 and California DRE #02084078, originating through C2 Financial Corporation (NMLS #135622) from the West D Street office near Moonlight Beach. The C2 platform accesses a wholesale lender network spanning conventional, FHA, VA, and jumbo products, and the firm coordinates concurrent escrow timelines with local insurance providers like Lisa Trapp - State Farm Insurance Agent to clear proof-of-coverage conditions before funding. Licensing across 14 states, including California, Arizona, Colorado, Florida, and Oregon, supports borrowers purchasing vacation or investment properties outside San Diego County while working with an Encinitas-based originator. Expertise in 1031 exchange timing requirements allows the office to structure acquisition financing that meets the IRS's 45-day identification and 180-day close windows, a transactional framework where exchange participants also retain counsel such as Blake Law Firm to draft assignment-of-contract documents. Non-QM underwriting through the C2 network accepts bank-statement income verification over 12- or 24-month periods for self-employed borrowers, calculating qualified income from average monthly deposits minus a lender-determined expense factor.