by Michael Divita | Jul 1, 2026 | Loan Types, Local Market
Los Angeles has more self-employed residents than almost any metro in the United States. Writers, directors, producers, musicians, tech founders, restaurateurs, real estate investors, contractors, and consultants — the LA economy is built on entrepreneurship and... by Michael Divita | Jul 1, 2026 | Loan Types, Local Market
In most of the country, jumbo loans are the exception. In Los Angeles, they’re the rule. With a 2026 high-balance conforming loan limit of $1,209,750 for LA County and median home prices in neighborhoods like Beverly Hills, Santa Monica, and Manhattan Beach... by Michael Divita | Jul 1, 2026 | Loan Types, Local Market
The East Bay’s premium submarkets — Lamorinda (Lafayette, Moraga, Orinda), the Diablo Valley (Danville, Alamo, Walnut Creek), and parts of Piedmont and Alameda — are jumbo loan territory. With median home prices ranging from $1.4M to $4M+ in these communities,... by Michael Divita | Jul 1, 2026 | Loan Types, Local Market
Marin County has one of the highest concentrations of self-employed residents in California — business owners, independent consultants, physicians, attorneys, real estate investors, and creative professionals. And yet this same group faces the most friction when... by Michael Divita | Jul 1, 2026 | Loan Types, Mortgage Education
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. California passed two... by Michael Divita | Jul 1, 2026 | Loan Types, Mortgage Education
HECM for Purchase California: Buy a New Home With a Reverse Mortgage Most people think of reverse mortgages as a tool for tapping equity in the home you already own. But there’s a lesser-known version — HECM for Purchase (H4P) — that lets you use a reverse...