by Michael Divita | Mar 12, 2026 | Loan Types, Local Market
Nearly every home in Ross requires jumbo financing — and I’ve been doing jumbo loans in Marin County for nearly 20 years. With median prices around $3.1M and the 2026 Marin conforming limit at $1,209,750, even a buyer putting 30% down on a $2.5M property ends up... by Michael Divita | Mar 12, 2026 | Loan Types, Local Market
I’ve been helping San Diego buyers get into FHA loans for nearly 20 years — the high conforming limits in San Diego County make FHA more useful here than in most of the country, and the military community adds a layer of nuance that most out-of-state lenders... by Michael Divita | Mar 6, 2026 | Loan Types, Local Market
Sacramento’s economy — state government, healthcare, agriculture, technology, and a growing small business sector — produces a workforce where a significant share of high earners are self-employed, contract-based, or operating S-corps. For these borrowers,... by Michael Divita | Mar 6, 2026 | Local Market
Orange County is one of the most diverse and competitive housing markets in California — a county where Newport Beach waterfront estates sell above $10M and first-time buyers can still find entry-level condos in Fullerton or Anaheim below $600,000. I’ve helped... by Michael Divita | Mar 5, 2026 | Local Market
I finance a significant number of short-term rental investment purchases across California — Palm Springs, Big Bear, Joshua Tree, Sonoma wine country — using DSCR loans that qualify on projected rental income rather than the investor’s personal tax returns. The... 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...