Spanish:

- "ha" sound -> J

- silent -> H, sometimes LL

- "yu" sound -> LL

- "v" sound -> B

La Jolla -> "Lah Hoya" (English phonetic).

Vallejo -> "Baiyeho" (phonetic), though the north-bay California town is often pronounced "Valayho" by locals. "Vallay-joe" is a sure sign of a non-native.

I have it on good authority that mail addressed to "La Hoya, CA" will in fact reach its intended destination.