DRE #01400067 and NMLS #235745 holder since 2003, California Lending Company in Point Loma’s Midway District San Diego brokers residential mortgages across FHA, VA, jumbo, conventional, bank-statement, and non-QM loan programs. Wholesale-rate access across dozens of lenders lets the brokerage match loan structures to borrower profiles that include self-employed bank-statement applicants — the same entrepreneurial clients buying through agents at Bragg Estates. A University of Wyoming business-administration degree and University of Phoenix MBA ground the brokerage in underwriting analytics beyond the standard rate-lock workflow. VA IRRRL refinance expertise serves the military community concentrated around Point Loma’s naval installations, with homeowner-insurance coordination at closing handled through local agents including Lisa Keith - State Farm Insurance Agent. The most complex closings involve jumbo non-QM loans requiring manual underwriting, asset-depletion qualification, and multi-property collateral structures for high-net-worth borrowers.