About DiVita Home Finance
DiVita Home Finance was formed in 2007 with the simple goal of offering our clients significantly more home mortgage options compared to their limited local retail banks. With over 40 lender relationships and growing, we can find the right home loan solution for your situation. Most of our Loan Officers have decades of experience originating mortgages – we are good at what we do!
Our mission is to create well informed borrowers who completely understand the mortgage process end to end. We’re known as California’s creative mortgage broker: when a bank says no, we find the lender and the loan structure that can say yes. We are here to guide you through the home buying or refinancing process.
40 + Wholesale Mortgage Lenders
40 + Mortgage Options
Custom Fit Home Loans
Message From Founder
I founded DiVita Home Finance in 2007 with the simple goal of offering my clients significantly more home mortgage options compared to their limited local retail banks. We do business with over 40 wholesale lenders across the country, which allows us to offer our clients the right home loan solution that matches their financial goals. Every borrower has a different situation. We listen to their story. And we find them the right home loan that matches their specific needs.
Learn more about Michael’s background and philosophy: Meet Michael DiVita — 26 Years in California Mortgage Lending.
Frequently Asked Questions
Answers to the questions we hear most often from California homebuyers and homeowners considering working with us.
Is DiVita Home Finance licensed to operate in California?
Yes. DiVita Home Finance, Inc. is fully licensed as a California real estate broker under the California Department of Real Estate (DRE). Our company license numbers are DRE #01818285 and NMLS #323700. You can verify our license anytime through the NMLS Consumer Access portal or the California DRE license lookup.
Who is Michael DiVita and what are his credentials?
Michael DiVita is the founder and president of DiVita Home Finance. He has been originating mortgage loans in California since 2000 — over 25 years of experience. His individual license numbers are DRE #01372066 and NMLS #241655. He is a member of the California Association of Mortgage Professionals (CAMP). You can verify his individual NMLS record at NMLS Consumer Access. Michael is a Tiburon resident and specializes in jumbo, luxury, self-employed, and reverse mortgage loans throughout California.
How long has DiVita Home Finance been in business?
DiVita Home Finance was founded in 2007 — giving us nearly two decades of serving California homeowners and buyers. In that time, we have helped hundreds of families purchase homes, refinance, and tap home equity. Our longevity reflects the trust our clients place in us and our commitment to the communities we serve, especially throughout Marin County and the greater Bay Area.
Is DiVita Home Finance an Equal Housing Lender?
Yes. DiVita Home Finance is an Equal Housing Lender. We conduct all business in accordance with the Fair Housing Act and equal credit opportunity laws. All qualified applicants are considered without regard to race, color, religion, national origin, sex, familial status, disability, or any other protected class.
What areas does DiVita Home Finance serve?
We are licensed throughout the state of California. Our primary focus areas include Marin County (Tiburon, Mill Valley, San Rafael, Sausalito, Corte Madera, Larkspur, Fairfax, San Anselmo, Novato), the greater San Francisco Bay Area (San Francisco, East Bay, Sonoma, Napa), Los Angeles, San Diego, Sacramento, Orange County, the Coachella Valley (Palm Springs area), and all major California markets. We are a remote-friendly firm — many clients never need to meet us in person.
What types of loans does DiVita Home Finance offer?
We work with over 40 wholesale lenders, giving us access to a wide range of loan programs including conventional, FHA, VA, USDA, jumbo, non-QM, bank statement loans, DSCR investor loans, reverse mortgages (HECM), bridge loans, hard money, HELOC, renovation loans, and more. If you have an unusual situation — self-employed income, complex assets, a non-warrantable condo, or leased land — we likely have a solution. Call us at (800) 239-1103 to discuss your scenario.
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
Learn more about Michael’s background, credentials, and areas of expertise on his California mortgage expert profile page. See how we compare: Mortgage Broker vs. Bank in California — What’s the Difference?