25 Years of Hard Loans in California: What I’ve Learned About Getting to Yes
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. This post is more personal than most —...Marin County Mortgage & Market Update — Monday, August 17, 2026
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...No Closing Cost Mortgage in California: How It Works and When It Makes Sense
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. No closing cost options are something I model...Why Most Lenders Won’t Do a 3/2/1 Jumbo Buydown — And We Will
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. Jumbo buydowns come up often in the Bay Area —...
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