Mortgage Broker vs. Bank in California: What’s the Actual Difference?
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 operate as an independent broker — which...California Mortgage Rate Update — Week of August 25, 2026
Published every Friday. Current as of market close, August 28, 2026. Where Rates Are Right Now Freddie Mac’s Primary Mortgage Market Survey came out Thursday morning showing the 30-year fixed rate at 6.66% — down slightly from the prior week and the lowest read...What Is a Non-Warrantable Condo? Can You Still Get a Mortgage in California?
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. Non-warrantable condo calls come in almost...Home Loans for Teachers in California: Programs, Discounts & How to Apply (2026)
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. Teacher mortgage clients are a regular part of...Should I Buy a House Now or Wait? What I Tell My California Clients in 2026
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 is the question I get more than any other:...
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