About DiVita Home Finance | California Mortgage Broker Since 2007

DiVita Home Finance, Inc. is an independent California mortgage brokerage based in Tiburon, serving Marin County, the Bay Area, and borrowers throughout California. Since 2007, DiVita Home Finance has helped home buyers, homeowners, investors, and real estate agents access a broader range of mortgage options through 40+ wholesale lender relationships. Programs include conventional, jumbo, FHA, VA, DSCR, bank statement loans, bridge loans, reverse mortgages, asset depletion, and other creative financing solutions.

Company Facts

Company Name	DiVita Home Finance, Inc.
Founded	2007
Headquarters	Tiburon, California (Marin County)
Primary Market	Marin County, San Francisco Bay Area, California statewide
President / Broker of Record	Michael DiVita
NMLS License	#323700
California DRE License	#01818285 (Active, expires August 2, 2027)
Licensed In	California, Oregon, Colorado
Wholesale Lender Access	40+ wholesale lenders
Phone	800-239-1103
Website	mycahomeloan.com

What We Do

DiVita Home Finance is a mortgage brokerage — not a bank. That distinction matters. As a broker, we work with more than 40 wholesale lenders, which means we can shop your scenario across multiple lenders to find the program, rate, and structure that fits your situation. A retail bank can only offer its own products. We can offer many.

We specialize in loans that require experience: high-balance and jumbo financing for Bay Area and Marin County buyers, bank statement loans for self-employed borrowers, DSCR loans for real estate investors, bridge loans for buyers who need to act before selling, asset depletion for high-net-worth clients, and reverse mortgages for homeowners 62 and older.

Loan Programs Offered

• Conventional Loans — Fixed and adjustable rate, conforming and high-balance
• Jumbo Loans — For loan amounts above conforming limits in high-cost California counties
• FHA Loans — Low down payment, up to $1,209,750 in high-cost counties
• VA Loans — Zero down payment for eligible veterans and active military
• Bank Statement Loans — Qualify using 12 or 24 months of deposits instead of tax returns
• DSCR Loans — Debt service coverage ratio loans for real estate investors
• Bridge Loans — Short-term financing to buy before selling
• Reverse Mortgages (HECM & Jumbo) — For homeowners 62+ to access equity without monthly payments
• Asset Depletion Loans — Qualify using assets rather than income
• 40-Year Interest-Only — Extended amortization for payment flexibility
• Stated Income / Non-QM — Alternative documentation programs where available
• 1099 Income Programs — For independent contractors and gig workers

Who We Help

Our clients include first-time homebuyers, move-up buyers, luxury property buyers, real estate investors, self-employed business owners, retirees and high-net-worth individuals, veterans, and homeowners looking to refinance or access equity. We work extensively with real estate agents in Marin County, San Francisco, and across the Bay Area who need a financing partner capable of closing complex transactions.

Why an Independent Mortgage Broker

When you work with DiVita Home Finance, you are not limited to one bank’s rate sheet or one set of underwriting guidelines. We compare across wholesale lenders — lenders who are not available to consumers directly — to find competitive pricing and programs that fit your file. Many of our clients come to us after being turned down by a retail bank, or after receiving a rate quote that didn’t feel right.

Frequently Asked Questions

What is a mortgage broker?

A mortgage broker is a licensed professional who works with multiple wholesale lenders on your behalf. Rather than offering only one bank’s products, a broker can compare rates, fees, and programs across many lenders to find the best fit for your situation.

How is DiVita Home Finance different from a bank?

DiVita Home Finance is an independent brokerage, not a bank. We do not lend our own money — we connect borrowers with the right wholesale lender from our network of 40+ lenders. This gives our clients access to a much wider range of programs and pricing than any single retail bank can offer.

Is DiVita Home Finance licensed?

Yes. DiVita Home Finance, Inc. holds NMLS license #323700 and California DRE license #01818285. We are licensed to originate mortgage loans in California, Oregon, and Colorado.

Does DiVita Home Finance work with self-employed borrowers?

Yes. We specialize in alternative documentation programs including bank statement loans, 1099 income programs, asset depletion, and other non-QM options for borrowers whose tax returns do not reflect their full income picture.

What areas does DiVita Home Finance serve?

Our headquarters is in Tiburon, and we are deeply rooted in Marin County and the San Francisco Bay Area. We originate loans throughout California, including the East Bay, Sacramento, Orange County, San Diego, Los Angeles, Riverside, Sonoma County, and Napa Valley. We are also licensed in Oregon and Colorado.