Thomas Garmo (NMLS #158254, DRE #01324844) brokers residential and commercial mortgage loans through NetLending Inc. from Suite 300 on Grossmont Center Drive in La Mesa's Grossmont area near Grossmont Center. Residential purchase transactions require escrow coordination from contract ratification through funding, and the Grossmont Center Drive office works with local escrow providers such as La Mesa Fund Control & Escrow on title-and-lien clearance timelines. A real-estate career spanning over three decades — beginning in Michigan in the late 1980s with Century-21 and RE/MAX before relocating to San Diego in 2000 — provides dual-license capability to represent clients on both the brokerage and lending sides of a transaction. California Residential Purchase Agreements routinely include a Section 1 termite-clearance contingency, and underwriters require pest-inspection reports from companies like Suncoast Pest Management before issuing final loan approval on wood-frame properties. Highest-complexity originations involve commercial bridge loans requiring debt-service-coverage-ratio underwriting, environmental Phase I assessment review, and conduit-lender compliance with CMBS pooling-and-servicing-agreement covenants.