by Michael Divita | Aug 7, 2026 | Loan Types
I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. Marin County jumbo buyers often ask me to run... by Michael Divita | Aug 6, 2026 | Loan Types, Mortgage Education
Reverse Mortgage vs. Downsizing in California: The Real Math Downsizing seems simple: sell the big house, buy something smaller, pocket the difference. But in California, the transaction costs, tax implications, and emotional realities make this calculation more... by Michael Divita | Aug 6, 2026 | Loan Types, Mortgage Education
Reverse Mortgage for Manufactured Homes in California: Can You Qualify? California has hundreds of thousands of manufactured and mobile homes — many owned by seniors who have built significant equity. The good news: reverse mortgages are available on manufactured... by Michael Divita | Aug 6, 2026 | Loan Types, Mortgage Education
How to Pay Off a Reverse Mortgage in California Reverse mortgages don’t require monthly payments — but you can make them if you want to. And there are several other ways to repay or exit a reverse mortgage. Here’s everything California borrowers and their... by Michael Divita | Aug 5, 2026 | Loan Types, Local Market, Mortgage Education
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...