Asset Depletion Mortgage Explained: Bank vs. Broker — The Difference Is Massive
Most people don’t realize that qualifying income doesn’t have to come from a paycheck. If you have significant liquid assets — brokerage accounts, savings, post-tax investment portfolios — those assets can be converted into qualifying income through asset...ARM vs Fixed Rate Mortgage: Which Is Better in 2026?
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. Call (800) 239-1103. With mortgage rates still...12 vs. 24 Month Bank Statement Loans: The Self-Employed Borrower’s Guide to Getting a Mortgage in California
If you’re self-employed in California, you already know the frustration: your tax returns show low taxable income — by design — but your actual bank deposits tell a completely different story. I’ve been placing bank statement loans for California...Manhattan Beach Mortgage Guide 2026 | DiVita Home Finance
Manhattan Beach is one of the most coveted — and most expensive — coastal communities in Southern California. With a legendary downtown, top-ranked Manhattan Beach Unified schools, and a residential market where even modest homes frequently trade above $2M, Manhattan...HECM for Purchase California: Buy a New Home With a Reverse Mortgage
HECM for Purchase California: Buy a New Home With a Reverse Mortgage Most people think of reverse mortgages as a tool for tapping equity in the home you already own. But there’s a lesser-known version — HECM for Purchase (H4P) — that lets you use a reverse...
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