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... 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... 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... by Michael Divita | Aug 5, 2026 | Loan Types, Local Market, Mortgage Education
Bay Area luxury buyers face some of the highest home prices — and highest mortgage payments — in the country. A 3-1 buydown on a jumbo loan can reduce your first-year payment by $2,000 to $5,000 per month, making a $2M+ purchase viable right now while you wait for... by Michael Divita | Aug 5, 2026 | Loan Types, Mortgage Education
Reverse Mortgage for Condos in California: What You Need to Know Millions of California seniors live in condos — in San Francisco, Los Angeles, San Diego, the Bay Area, and coastal communities. If you own a condo and want to access your equity through a reverse... by Michael Divita | Aug 4, 2026 | Loan Types, Mortgage Education
If you are shopping for an interest-only mortgage in California, you have likely seen two common structures: the 30-year fixed with a 10-year interest-only period, and the 40-year fixed with a 10-year interest-only period. They sound similar — both let you pay...