by Michael Divita | Mar 5, 2026 | Loan Types
I work with California seniors on reverse mortgages regularly — and my first job is always to give them an honest picture of both sides. A reverse mortgage is one of the most powerful retirement tools available for California homeowners who have accumulated... by Michael Divita | Mar 2, 2026 | Home Buying Tips, Loan Types, Local Market
Marines stationed at MCAGCC 29 Palms are in one of the most favorable homebuying positions in California — a high-desert market where median home prices are well under $400,000 and VA financing means zero down payment. I’ve helped active duty Marines and... by Michael Divita | Feb 22, 2026 | Home Buying Tips, Loan Types, Local Market
San Diego is one of my favorite markets to work in for VA loans — not because it’s easy (the prices are substantial), but because the VA program is genuinely well-suited to what San Diego buyers face. With Naval Base San Diego, MCAS Miramar, and Camp Pendleton... by Michael Divita | Feb 18, 2026 | Loan Types, Mortgage Education
Building a home in California in 2026 is a significant financial undertaking — and for most buyers, that means securing a construction loan. I work with Bay Area and Marin County builders regularly: buyers who can’t find the right existing home and have decided... by Michael Divita | Feb 12, 2026 | First-Time Buyers, Home Buying Tips, Loan Types, Mortgage Education
Yes, you can buy a home in California with just 3% down using a 2026 conforming loan — even at loan amounts up to $1,249,125 in high-cost counties. I help buyers across California structure these loans every week, from first-time buyers in Sacramento to move-up buyers... by Michael Divita | Feb 11, 2026 | Loan Types, Local Market
Palm Springs is one of California’s most condo-dense real estate markets — and it now sits at the intersection of two of the state’s most complex mortgage financing challenges: SB 326 balcony inspection compliance and Indian leased land financing....