40+ Lenders vs. One Bank: The Wholesale Mortgage Broker Advantage 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. Working with 40+ wholesale lenders is the...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 —...My Bank Denied My Mortgage in California — What to Do Next
Getting a mortgage denial from your bank feels final. It isn’t. A bank denial means your loan doesn’t fit that bank’s specific guidelines — it doesn’t mean no lender will approve you. Here’s exactly what to do after a California mortgage...Seller-Paid Buydown vs. Price Reduction: The Math California Buyers Need
When negotiating a California home purchase in today’s market, you have two primary levers: ask for a price reduction or ask the seller to fund a mortgage rate buydown. Most buyers default to the price reduction. Most of the time, that is the wrong call.Why...How to Find Assumable Mortgage Listings in California 2026
The biggest obstacle to assumable mortgage deals is not the financing — it is finding the right property. Here is how to systematically search for assumable mortgage listings in California.Method 1: Dedicated Assumable Listing PlatformsSeveral platforms now...
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