First-Time Home Buyer Programs in Novato CA — 2026 Guide

by Michael Divita | Aug 2, 2026 | First-Time Buyers, Local Market

Novato is one of the best cities in Marin County for first-time home buyers. With more affordable price points, diverse housing options, and multiple first-time buyer programs available, Novato makes Marin County homeownership more attainable than many people realize....

First-Time Home Buyer Guide: Terra Linda CA 2026

by Michael Divita | Aug 2, 2026 | First-Time Buyers, Home Buying Tips, Local Market

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. I work with first-time buyers all across Marin...

First-Time Home Buyer Programs in San Rafael CA — 2026 Guide

by Michael Divita | Aug 2, 2026 | First-Time Buyers, Local Market

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. Helping first-time buyers into Marin County...

FHA Assumable Mortgage California: Take Over a Low-Rate Loan

by Michael Divita | Jul 31, 2026 | First-Time Buyers, Loan Types, Mortgage Education

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. FHA assumptions are one of the most overlooked...

Qualifying for a Mortgage During Divorce in California

by Michael Divita | Jul 28, 2026 | First-Time Buyers, Mortgage Education, Refinancing

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. I work with divorcing California homeowners...

Using ADU Rental Income to Qualify for a California Mortgage

by Michael Divita | Jul 26, 2026 | First-Time Buyers, Loan Types, Mortgage Education

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. ADU rental income is one of the most underused...