Founded in 2003 under company NMLS #252159, Shelter Island Capital in Point Loma's Sunset Cliffs corridor pairs mortgage brokerage (personal NMLS #227691) with bundled insurance services from its Cañon Street office. Purchase origination spans VA zero-down, FHA low-down, conventional, and interest-only jumbo tiers — the breadth of financing that listing agents like New Reality Real Estate reference when advising sellers on buyer-qualification strength. Property, health, life, commercial, apartment, and marine insurance lines added in 2005 consolidate the hazard-policy binding that lenders require at closing into the same office that originates the loan. Reverse-mortgage origination for homeowners 62 and older converts peninsula equity into income without monthly payments, a product that intersects with estate-planning counsel from On Point Estate Law when structuring inheritance and title considerations. Cash-out refinances on Sunset Cliffs properties and debt-consolidation restructures for multi-lien borrowers represent the most complex underwriting scenarios in the practice.