by Michael Divita | Mar 25, 2026 | Loan Types, Local Market
San Anselmo sits right at the conforming-to-jumbo threshold — median prices around $1.6–$1.7M mean many purchases land right at the boundary between high-balance conforming ($1,209,750) and jumbo. That threshold decision matters more than most buyers realize:... by Michael Divita | Mar 25, 2026 | Home Buying Tips, Loan Types, Local Market
Edwards Air Force Base is one of the most storied installations in American aviation — home of the Air Force Test Center and the Mojave Desert’s aerospace corridor. For VA-eligible buyers in the Lancaster, Palmdale, and Rosamond area, the VA loan benefit opens... by Michael Divita | Mar 24, 2026 | Loan Types, Mortgage Education
The DSCR vs. conventional question comes up constantly with California investors — and the answer usually isn’t which loan is “better,” it’s which loan works for your situation right now. I’ve placed both for California investors for... by Michael Divita | Mar 20, 2026 | Loan Types, Local Market
In Orange County’s coastal and luxury markets, jumbo loans aren’t the exception — they’re the standard. With median prices in Newport Beach above $2M and Laguna Beach and Dana Point close behind, most buyers financing these properties are well above... by Michael Divita | Mar 18, 2026 | First-Time Buyers, Loan Types, Local Market
Orange County’s $1,209,750 FHA loan limit is the highest in the country — and that makes FHA much more relevant here than in most markets. Buyers who qualify can access FHA financing with 3.5% down on homes priced up to $1.25M, which covers a significant portion... by Michael Divita | Mar 17, 2026 | Loan Types, Mortgage Education
DSCR loan rates run higher than conventional mortgage rates — and that’s by design. The premium buys you no income verification; the property qualifies the loan, not your tax returns. For investors who can’t or don’t want to document personal income...