Allied Pacific Financial is an independent mortgage brokerage in Kensington, San Diego at 4825 Hawley Blvd, Suite 710, where lead broker Stephanie Spaulding originates purchase loans, refinances, and home equity lines of credit under NMLS # 299129 and California DRE # 01165489. The brokerage's wholesale model means Spaulding submits each loan application to a panel of competing lenders rather than a single institution, comparing rate sheets across conventional, FHA, VA, and jumbo loan programs. Buyers searching for property in Normal Heights and University Heights coordinate their purchase timeline with agents at The GreenHouse Group on Adams Avenue, one of the top-producing real estate and mortgage teams in the 92116 market. The Hawley Blvd office operates within the Kensington commercial district, east of Adams Avenue — a corridor that connects the Kensington village to the Normal Heights residential grid. HELOC applications follow a similar multi-lender comparison process, giving homeowners who have built equity in San Diego's appreciating market access to revolving credit lines priced below unsecured alternatives. First-time homebuyers represent a significant share of the brokerage's pipeline, and Spaulding's dual real estate license allows her to advise on both the financing and transactional sides of a purchase. The processor team manages document collection, appraisal scheduling, and underwriting communication to maintain closing timelines. Homeowners pairing a refinance with updated property-insurance quotes review coverage through John Baker & Associates, an insurance office operating in the Normal Heights network. Allied Pacific Financial's no-cost-loan structure on select refinance products wraps origination fees into the interest rate, eliminating out-of-pocket closing costs for qualifying borrowers.