Desert Hot Springs Mortgage Broker | Home Loans in DHS 2026

Home Loans in Desert Hot Springs, California

Desert Hot Springs is one of the most affordable real estate markets in the Coachella Valley — and one of the most misunderstood. Buyers from Los Angeles, San Diego, and the Bay Area are discovering what locals have always known: DHS offers exceptional value, dramatic mountain views, natural hot springs, and proximity to Palm Springs at a fraction of the price.

DiVita Home Finance helps buyers, investors, and homeowners in Desert Hot Springs find the right loan for their situation. Call us at 800-239-1103 or get pre-approved today.

The Desert Hot Springs Real Estate Market

Median home prices in Desert Hot Springs are significantly lower than neighboring Palm Springs — making it one of the few Coachella Valley cities where FHA loan limits comfortably cover most transactions. This affordability makes DHS ideal for:

• First-time homebuyers priced out of Palm Springs or Los Angeles
• Investors purchasing rental and short-term vacation properties
• Cannabis industry workers and business owners relocating to the Coachella Valley
• Retirees seeking affordable desert living close to Palm Springs amenities
• Fix-and-flip investors targeting the valley’s lowest entry price points

Mortgage Programs Available in Desert Hot Springs

FHA Loans

FHA loans are one of the most popular choices for Desert Hot Springs buyers. With just 3.5% down and credit scores as low as 580, FHA financing opens the door to homeownership for buyers who might not qualify for conventional programs. Most DHS homes fall well within FHA loan limits for Riverside County.

Conventional Loans

Conventional financing with as little as 3% down is available for buyers with stronger credit profiles. Conventional loans also offer the ability to cancel PMI once you reach 20% equity — an advantage over FHA for buyers planning to stay long-term.

VA Loans

Veterans and active-duty military can purchase in Desert Hot Springs with zero down payment using their VA loan benefit. We’re experienced VA lenders serving military families throughout the Coachella Valley.

Investment Property Loans

Desert Hot Springs has emerged as a popular market for short-term rental (STR) investors. We offer investment property financing with programs that allow projected rental income to count toward qualification — critical for Airbnb and VRBO buyers.

Hard Money & Bridge Loans

For investors moving quickly in a competitive market, we can connect you with hard money and bridge loan options when speed is the priority.

Why Desert Hot Springs Is Attracting Investors

Desert Hot Springs has natural geothermal hot springs throughout the city — an amenity that has fueled a boutique spa and wellness hotel industry. Combined with one of the largest cannabis industry clusters in California and its location just 10 minutes from downtown Palm Springs, DHS offers an unusual combination of affordability and economic momentum.

Short-term rental occupancy in DHS has grown steadily as visitors seek alternatives to pricier Palm Springs accommodations. For investors, the numbers can work exceptionally well at DHS price points.

Serving Desert Hot Springs and the Coachella Valley

DiVita Home Finance finances properties throughout Desert Hot Springs and all surrounding Coachella Valley communities. We also specialize in Palm Springs Indian leased land mortgages — one of the market’s most complex but common financing situations.

Whether you’re buying your first home, an investment property, or refinancing to pull out equity, we have the programs and expertise to get you to the closing table. Call 800-239-1103 or apply online today.