by Michael Divita | Feb 10, 2026 | Investment Properties, Loan Types
The California short-term rental market is one of the most compelling investment opportunities I’ve seen in my 20 years of mortgage work — and the financing has finally caught up. I help investors across California structure DSCR loans for Airbnb and VRBO... by Michael Divita | Feb 8, 2026 | Investment Properties, Loan Types
The Inland Empire has become one of California’s most active real estate investment markets — and I’ve helped investors finance rental properties across Riverside and San Bernardino counties for years. Lower purchase prices, strong renter demand, and... by Michael Divita | Jan 20, 2026 | Home Buying Tips, Loan Types, Local Market
I’ve helped airmen and officers from Travis AFB buy homes in Fairfield, Vacaville, and Suisun City more times than I can count. Travis is one of those duty stations where the VA loan is a natural fit — Solano County prices are reasonable, BAH covers a real... by Michael Divita | Jan 14, 2026 | Loan Types
Most of the reverse mortgage conversations I have in California focus on monthly payments or a lump sum to eliminate a mortgage. But if you’re under 70, have significant home equity, and aren’t in immediate financial need — the growing line of credit is... by Michael Divita | Jan 10, 2026 | Home Buying Tips, Loan Types, Mortgage Education
I help California buyers work through the conforming vs. jumbo decision every week. In 2026, the answer depends on your county, loan amount, and credit profile — and with the high-cost conforming limit now at $1,249,125, more buyers than ever can access conforming... by Michael Divita | Jan 8, 2026 | Home Buying Tips, Loan Types
I get this call almost every week. A buyer — or their Realtor — telling me the deal is dead because the building failed SB 326 review and the lender walked. I understand why it feels that way. Most conventional lenders don’t have a path forward on...