by Michael Divita | Aug 18, 2026 | Marin Daily Market Update
Good morning, Marin. Markets took a small step back on Tuesday, but nothing alarming. The 10-year Treasury is hovering around 4.72%, and the 30-year fixed mortgage rate is holding steady in the 6.55%–6.70% range. Let’s dig into what this means for your next move... by Michael Divita | Aug 17, 2026 | Marin Daily Market Update
Good morning, Marin. The market’s been a bit jumpy this week—geopolitical tensions, Treasury yields climbing, and mortgage rates hovering in that 6.6% range. If you’re thinking about buying or refinancing, now’s the time to tune out the noise and... by Michael Divita | Aug 15, 2026 | First-Time Buyers, Mortgage Education
Closing costs in California typically run 2%–5% of the loan amount — on a $750,000 purchase, that’s $15,000–$37,500 out of pocket before you even get your keys. A no closing cost mortgage eliminates that upfront cash requirement. But nothing is truly free in... by Michael Divita | Aug 15, 2026 | Loan Types
You’ve heard about 3/2/1 buydowns and interest-only options — but if you’re looking at a jumbo loan over $1.2M, you may have been told these programs don’t exist. Here’s the real story. Why Jumbo Buydowns Are Harder to Find Most jumbo loans are... by Michael Divita | Aug 14, 2026 | First-Time Buyers, Mortgage Education
California veterans have access to one of the best mortgage programs in the country — the CalVet Home Loan. Run by the California Department of Veterans Affairs (CalVet), this program offers below-market interest rates, no private mortgage insurance, and built-in...