California Lending & Realty in Point Loma's Midway District, founded in 2003 under DRE 01400067 and NMLS 235745, combines real estate brokerage with in-house residential mortgage origination from Hancock Street. NAR Seller Representative Specialist and Accredited Buyer Representative designations structure each transaction around defined fiduciary standards, coordinating buyer due diligence through MIX Home Inspections to document property conditions before contingency deadlines. Short Sale & Foreclosure Resource certification adds a distressed-property negotiation layer, managing lender-approval timelines and deficiency-waiver documentation that standard brokerages typically refer out. The mortgage division holds personal NMLS 349714 and underwrites conventional, FHA, and VA products, letting the brokerage run purchase financing and property search through a single point of contact. Complex transactions frequently involve title encumbrances, lien negotiations, or probate-adjacent sales requiring legal coordination through Cannavino Law, APC to clear title before close of escrow. The highest-stakes work involves negotiating multi-lien short sales where second and third trust deed holders must agree to reduced payoffs before the primary lender approves the sale, compressing what is often a months-long negotiation into the shortest achievable timeline.