by Michael Divita | Feb 28, 2026 | Local Market
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. I live in Tiburon and have been financing Marin... 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 19, 2026 | Local Market, Refinancing
Ross is one of the most equity-rich communities in California — and that equity creates real refinance opportunities when the math works. I’ve helped a number of Marin homeowners over the years refinance jumbo loans in the $2M–$4M range, and the calculus is... by Michael Divita | Feb 19, 2026 | Local Market
I’ve helped a lot of Bay Area families make this move — a couple from San Jose buys in Rocklin, a Marin family lands in Folsom, a San Francisco renter finally owns in Elk Grove. I understand both markets. Bay Area buyers come to me because they know the... 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.... by Michael Divita | Feb 5, 2026 | Local Market
I get this question a lot from Bay Area clients — people who’ve been priced out of San Jose or Oakland and are wondering if Sacramento makes sense. My honest answer: Sacramento is one of the better buys in California right now, but it depends entirely on your...