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Prop 19: How to Upgrade Your California Home and Keep Your Low Tax Base

by Michael Divita | Jul 23, 2026 | Home Buying Tips, Local Market, Mortgage Education

For California homeowners over 55 who have been locked into their current home by property tax fear — Proposition 19 may have changed everything. You can now sell your long-held home and buy a bigger, better, or more conveniently located home anywhere in California...

Buying a Home in Greenbrae CA: Complete Mortgage Guide for 2026

by Michael Divita | Jul 22, 2026 | Home Buying Tips, Local Market

Greenbrae, California offers some of the most desirable real estate in Marin County — waterfront condos along the Corte Madera Creek, tree-lined streets, and easy access to both Highway 101 and downtown Larkspur. If you’re planning to buy a home in Greenbrae in...

Non-Warrantable Condos in California Beyond SB 326: All the Reasons Fannie Mae Says No

by Michael Divita | Jul 17, 2026 | Home Buying Tips, Loan Types, Mortgage Education

SB 326 gets most of the attention when buyers and agents talk about non-warrantable condos in California — and for good reason. But there are seven other reasons a California condo project can lose Fannie Mae eligibility, and they affect thousands of units across Los...

Leased Solar Panels and Mortgage Problems in California: What Buyers Need to Know in 2026

by Michael Divita | Jul 17, 2026 | Home Buying Tips, Loan Types, Mortgage Education

California has more leased solar installations than any other state — companies like SunRun, SunPower, Tesla Energy, and Vivint Solar have placed panels on hundreds of thousands of California homes under 20–25 year lease agreements. When you buy one of these homes,...

Using ADU Rental Income to Qualify for a Mortgage in California 2026

by Michael Divita | Jul 17, 2026 | Home Buying Tips, Loan Types, Mortgage Education

California leads the nation in ADU (Accessory Dwelling Unit) construction — backyard cottages, garage conversions, basement apartments, and junior ADUs attached to the main home. Millions of California properties now have one, and millions more are being built every...

H-1B Visa Mortgage in California 2026: How Work Visa Holders Buy Homes

by Michael Divita | Jul 17, 2026 | Home Buying Tips, Loan Types, Mortgage Education

If you’re on an H-1B, L-1, O-1, or other work visa in California, you can get a mortgage — and in most cases, the process is similar to what a U.S. citizen would go through. The key variables are the remaining visa term, whether your lender requires permanent...
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