5 Mortgage Mistakes California Buyers Make (And How to Avoid Them)
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. After nearly 20 years helping Bay Area and...Inland Empire Mortgage Rates 2026: Complete Guide for Riverside & San Bernardino Buyers
I’ve been helping Inland Empire buyers for nearly 20 years — from first-time buyers in Moreno Valley and San Bernardino using CalHFA assistance to veterans buying in Temecula with zero down. If you’re purchasing in Riverside County, San Bernardino County,...California Mortgage Outlook 2026: Rates, Loan Limits & What to Expect
I’ve been originating California mortgages since 2007, which means I’ve worked through every rate environment — sub-3% post-2009, the frenzied 2021 market, and the 7%+ shock of 2022–2023. Going into 2026, I see a market that’s genuinely stabilizing:...Jumbo vs Conforming Loan California 2026: Rates, Limits & Which Saves More
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...2026 Conforming Loan Limit Increase California: What Changed & Why It Matters
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. The Federal Housing...
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