Santa Monica Mortgage | DiVita Home Finance
Santa Monica sits at the intersection of Westside prestige and beachfront lifestyle — combining walkable neighborhoods, world-class dining, the iconic Pier, and proximity to major studios and tech campuses. It consistently ranks as one of the most desirable places to live in Southern California. DiVita Home Finance provides expert mortgage financing for buyers, homeowners, and investors in Santa Monica — offering competitive rates, fast approvals, and deep expertise in the Los Angeles real estate market.
Santa Monica Home Prices and Loan Options
Typical home prices in Santa Monica range from $1.5M – $5M+, and most purchases require Jumbo / Conforming financing. As a mortgage broker, we shop your loan across dozens of lenders — including jumbo specialists, portfolio programs, and bank statement products — to find the best rate and terms for your specific situation.
Mortgage Programs Available
- Conventional Loans — Down payments from 3–20% for conforming-eligible properties (up to $1,089,300 in LA County)
- Jumbo Loans — Financing above the conforming limit for premium properties
- FHA Loans — 3.5% down, flexible credit, ideal for first-time buyers
- VA Loans — Zero down for eligible veterans, no PMI, no loan limit with full entitlement
- Bank Statement Loans — Self-employed buyers qualify on 12–24 months of deposits
- DSCR / Investment Loans — For rental properties, qualifying on projected rental income
- Condo / High-Rise Financing — Warrantable and non-warrantable condo programs available
For a complete overview of Los Angeles mortgage programs, loan limits, and neighborhood guides, visit our Los Angeles mortgage hub page.
Ready to Get Started in Santa Monica?
Or call: 800-239-1103 — 7 days a week.
