NMLS 6274 identifies Peoples Mortgage Company at 4312 Voltaire St, a satellite branch of the Tempe-headquartered lender Stan Morris founded in 1998 as a one-person operation that has since grown to more than 475 employees nationwide. Dual licensing as both a mortgage banker and a broker means this office can fund loans in-house or shop them to outside investors mid-file, giving listing agents at Sand and Sea Realty one lender contact for offers that may need program flexibility during escrow. California Residential Mortgage Lending Act license FLL603L266/RMLA4130661 covers conventional, FHA, VA, Jumbo, 203k renovation, and USDA products. A Bridge Financing Program funds up to $2 million at 75% LTV with no monthly payment and a 12-month balloon, built for move-up buyers who cannot wait for their current home to close — a fit for owner-operator portfolios managed through Pasas Property Management in San Diego. The most complex transactions pair 203k rehab escrow with acquisition financing on pre-1940 OB beach cottages, where foundation work, code upgrades, and kitchen gut-outs need to be underwritten into the purchase loan before close.