Bay Area luxury buyers face some of the highest home prices — and highest mortgage payments — in the country. A 3-1 buydown on a jumbo loan can reduce your first-year payment by $2,000 to $5,000 per month, making a $2M+ purchase viable right now while you wait for rates to come down.
DiVita Home Finance structures 3-1 buydowns on jumbo loans throughout the Bay Area — a combination most lenders will not offer.
Why the 3-1 Buydown Makes Sense in the Bay Area
Bay Area buyers are typically high-income professionals who can comfortably carry a full mortgage payment — but who would rather deploy cash into equity, investments, or home improvements in the early years rather than a higher interest payment. The 3-1 buydown redirects seller concession money into immediate monthly savings that far exceed what a price reduction delivers.
Example Savings by Market
| Market | Typical Price | Loan Amount | Year 1 Monthly Savings | 3-Year Total |
|---|---|---|---|---|
| Tiburon / Belvedere | $3,000,000 | $2,400,000 | ~$5,700/mo | ~$115,000 |
| Mill Valley | $2,000,000 | $1,600,000 | ~$3,800/mo | ~$77,000 |
| San Rafael | $1,400,000 | $1,120,000 | ~$2,660/mo | ~$54,000 |
| Pacific Heights SF | $2,500,000 | $2,000,000 | ~$4,750/mo | ~$96,000 |
| St. Helena / Napa | $2,200,000 | $1,760,000 | ~$4,180/mo | ~$85,000 |
Savings assume a 7.25% note rate. Actual savings vary based on your rate, loan amount, and buydown structure.
Self-Employed Bay Area Buyers
Many of our Bay Area clients are business owners, consultants, or tech founders with complex income. DiVita Home Finance can combine a bank statement loan with a 3-1 buydown — qualifying you without tax returns AND giving you a reduced payment for the first three years. This is a particularly powerful combination for buyers whose income is growing faster than their tax returns reflect.
Markets We Serve
We structure jumbo buydowns throughout the Bay Area including Marin County, San Francisco, the East Bay, Sonoma, and Napa Valley.
📞 Call DiVita Home Finance at (800) 239-1103 to structure a 3-1 buydown on your Bay Area luxury purchase.
See all buydown options at DiVita Home Finance
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
