Marin Daily Market Update
Market close · Bond yields · Mortgage rates · Fed news · Marin real estate — all in one quick read from Michael DiVita in Tiburon.
Your Complete
California Mortgage
Resource Hub
800+ expert articles organized by city, loan program, and topic — with video guides and education resources to help you make the right move.
Click any region or city to see articles written specifically for that area
Luxury coastal living, jumbo financing & wine country real estate across all 15 cities
Condo, co-op & single-family financing in SF's most competitive neighborhoods
Oakland hills, Berkeley craftsmans, Lamorinda estates & Tri-Valley starter homes
Wine country purchases, vineyard financing & farm loans across Northern CA
Premium wine country estates, vacation homes & luxury vineyard financing
Ready to Get Pre-Approved?
Call Michael DiVita directly — 17+ years helping Bay Area buyers close faster.
Beverly Hills to Echo Park — every LA neighborhood and loan type covered
Desert luxury, leased land financing & Palm Springs specialists
Coastal communities, VA loans for military & investment properties
Laguna luxury, Irvine master-planned communities & coastal jumbo expertise
First-time buyers, CalHFA programs & fast-growing suburban market guides
Santa Barbara wine country, Monterey Peninsula & San Luis Obispo living
Farm loans, ag land financing, vineyard acquisition & rural property expertise statewide
Click any program to browse articles and guides for that loan type
Not sure which program fits?
Michael DiVita has originated loans on 20+ programs. One call tells you exactly where you stand.
Expert guides to help you make confident, informed decisions at every stage
Step-by-step guides on pre-approval, down payments, CalHFA, and closing costs for California first-timers.
How much house can you afford? Income requirements by city, DTI ratios, and qualification guides for every budget.
How banks qualify borrowers, what affects your rate, DTI ratios, credit scores, and the full mortgage process explained.
VA entitlement, funding fees, how to use your benefit multiple times, and full eligibility requirements explained.
Current conditions, neighborhood breakdowns, price trends, and timing strategies for every California market.
When to refinance, rate-and-term vs. cash-out, break-even analysis, and HELOC vs. HELOAN strategies.
In-depth mortgage guides for California buyers. New videos added regularly.
How 12-24 months of bank statements replace W2s for mortgage qualification.
How lenders calculate qualifying income from retirement and investment accounts.
Complete step-by-step checklist for first-time buyers in California.
Comparing FHA, 3% Down, VA & CalHFA programs for California buyers.
Navigating California reserve law and the financing hurdles it creates.
How to finance Indian land leases in the Coachella Valley with jumbo products.
Search or filter by category to find exactly what you need