DRE 01396530 / NMLS 349714-credentialed since 2003, California Lending & Realty in Point Loma's Midway District runs dual real estate and mortgage operations from Hancock Street. NAR-endorsed ABR, SRS, and SFR designations cover accredited buyer representation, seller representation, and short-sale processing — a certification stack that coordinates with homeowner's coverage carriers like Ashton Ellis - State Farm Insurance Agent during post-close transitions. An M.B.A. from the University of Phoenix and a B.S. from the University of Wyoming anchor the brokerage's analytical approach to comparative market analysis and loan structuring. The dual-license model lets the firm quote wholesale mortgage rates directly alongside listing services, collapsing the two-vendor delay that costs borrowers rate-lock days in a rising-rate environment. Fixer-upper buyers use the brokerage's renovation-loan underwriting to bundle purchase and rehab costs, connecting with contractors like Complete Builders Inc for bid packages that satisfy FHA 203(k) draw requirements. The most complex files involve short-sale negotiations with multiple lien holders, where the SFR certification and dual-license capability manage both deficiency-balance negotiation and replacement-property financing in parallel.