2026 FHA vs Conforming Loan Limits California: Which Is Right for You?
One of the most common questions I get from California buyers is whether to go FHA or conventional — and the honest answer is that it usually comes down to credit score and how long you plan to keep the loan. For buyers with 620+ credit, conforming wins in most cases...3% Down on a Conforming Loan in California 2026 | HomeReady & Home Possible Guide
Yes, you can buy a home in California with just 3% down using a 2026 conforming loan — even at loan amounts up to $1,249,125 in high-cost counties. I help buyers across California structure these loans every week, from first-time buyers in Sacramento to move-up buyers...Temecula vs Murrieta: Which Is Better for First-Time Homebuyers?
I get this question from Southern California buyers constantly — Temecula or Murrieta? Both cities are in the Temecula Valley in southwestern Riverside County, just 8 miles apart on the I-15. I’ve worked with buyers in both markets and my honest answer is: it...California First-Time Homebuyer Programs and Down Payment Assistance
I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. Call (800) 239-1103. California First-Time Homebuyer Programs and Down Payment Assistance California has some of the best first-time homebuyer...
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