Asset Depletion Mortgage Explained: Bank vs. Broker — The Difference Is Massive
Most people don’t realize that qualifying income doesn’t have to come from a paycheck. If you have significant liquid assets — brokerage accounts, savings, post-tax investment portfolios — those assets can be converted into qualifying income through asset...Bank Statement Loans Sonoma County | Wine Country Self-Employed Mortgage Guide
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. Call (800) 239-1103. Sonoma County’s...12 vs. 24 Month Bank Statement Loans: The Self-Employed Borrower’s Guide to Getting a Mortgage in California
If you’re self-employed in California, you already know the frustration: your tax returns show low taxable income — by design — but your actual bank deposits tell a completely different story. I’ve been placing bank statement loans for California...Palm Springs Airbnb & Investment Property Mortgage Guide 2026 | DiVita Home Finance
Palm Springs is one of California’s premier vacation rental markets — and one of the most lucrative for well-positioned investors. The combination of year-round sunshine, iconic mid-century modern architecture, event-driven demand (Coachella, Stagecoach, BNP...Marin County Jumbo Loan Guide 2026: Rates, Requirements, and How to Qualify
If you’re buying a home in Marin County, there’s a good chance you’ll need a jumbo loan. With a 2026 high-balance conforming loan limit of $1,249,125 and a median home price well above that threshold in most Marin cities, jumbo financing is the norm...
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