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VA Loans Vandenberg Space Force Base 2026 | Zero Down for Airmen & Space Force

by Michael Divita | Aug 8, 2026 | Loan Types, Mortgage Education

Vandenberg Space Force Base is one of the most significant military installations on the West Coast — and one of the most expensive places in California for service members to buy a home. With the Santa Barbara County median home price exceeding $1,000,000 and...

1099 Loan California 2026: Qualify Without Tax Returns

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...

RSU & Equity Compensation Mortgage California | Bay Area Specialist

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...

Reverse Mortgage vs. Downsizing in California: The Real Math

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...

Reverse Mortgage for Manufactured Homes California: Can You Qualify?

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...

How to Pay Off a Reverse Mortgage in California

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...
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