by Michael Divita | Aug 8, 2026 | Loan Types, Mortgage Education
What Is a 1099 Loan? A 1099 loan — also called a 1099-only mortgage — allows independent contractors, freelancers, gig workers, and self-employed borrowers to qualify for a home loan using their 1099 income statements instead of tax returns. Because many 1099 earners... by Michael Divita | Aug 7, 2026 | Loan Types, Mortgage Education
Getting a Mortgage When Your Income Includes RSUs or Equity Compensation Bay Area tech employees at companies like Apple, Google, Meta, Salesforce, Nvidia, OpenAI, Anthropic, and thousands of startups often receive a significant portion of their compensation in the... by Michael Divita | Aug 7, 2026 | Loan Types
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. Marin County jumbo buyers often ask me to run... by Michael Divita | Aug 6, 2026 | Loan Types, Mortgage Education
Reverse Mortgage vs. Downsizing in California: The Real Math Downsizing seems simple: sell the big house, buy something smaller, pocket the difference. But in California, the transaction costs, tax implications, and emotional realities make this calculation more... by Michael Divita | Aug 6, 2026 | Loan Types, Mortgage Education
Reverse Mortgage for Manufactured Homes in California: Can You Qualify? California has hundreds of thousands of manufactured and mobile homes — many owned by seniors who have built significant equity. The good news: reverse mortgages are available on manufactured... by Michael Divita | Aug 6, 2026 | Loan Types, Mortgage Education
How to Pay Off a Reverse Mortgage in California Reverse mortgages don’t require monthly payments — but you can make them if you want to. And there are several other ways to repay or exit a reverse mortgage. Here’s everything California borrowers and their...