Fairfax Mortgage Broker — Ross Valley’s Bohemian Market, Serious Financing
Fairfax is Marin County’s most eclectic and accessible small-town market. Known for its independent spirit, redwood-lined streets, mountain biking culture, and walkable downtown, Fairfax attracts buyers who want genuine Marin character at relatively approachable prices. In 2026, Fairfax SFH typically trade in the $900K–$2M range — making it one of the few Marin markets where first-time buyers and conventional financing are regularly in play. DiVita Home Finance has served the Ross Valley market, including Fairfax, San Anselmo, and surrounding communities, since 2007.
Fairfax Real Estate: 2026 Market Overview
Fairfax’s housing stock is largely older single-family homes, many on canyon lots with redwood trees, creek views, or hillside settings. The downtown core has a small condo and mixed-use market. Entry-level SFH — smaller homes and fixer opportunities — start in the $800K–$1.1M range. Well-maintained homes on larger lots with updates push $1.5M–$2.5M. The canyon neighborhoods (Manor Road area, Deer Park) offer larger lots and more privacy at premium prices.
- Entry-level / fixer SFH: $800K–$1.2M — Conventional, renovation loan programs
- Updated mid-range SFH: $1.2M–$2M — Conventional to low jumbo
- Canyon / hillside premium: $1.8M–$3M+ — Jumbo, portfolio programs
Mortgage Options for Fairfax Buyers
Conventional Loans: Fairfax is one of Marin’s best markets for conventional financing. With many transactions falling at or below the $1,149,825 county conforming limit, buyers can access standard 5–20% down programs with mainstream rate pricing.
First-Time Buyer Programs: Fairfax’s price range makes CalHFA down payment assistance programs applicable for eligible first-time buyers. We check income limits and program eligibility before you start shopping so you know exactly what you can access.
Renovation / 203k Loans: Fairfax has a significant fixer-upper inventory — older homes with excellent bones but dated finishes. FHA 203k and conventional HomeStyle renovation loans let you finance the purchase and renovation in one loan based on the home’s after-improved value. We are experienced with renovation loan structures and can walk you through the process.
Jumbo Loans: For canyon homes, larger lots, and premium SFH above the conforming limit, we arrange jumbo financing through Bay Area portfolio lenders comfortable with Marin’s redwood canyon property types.
Self-Employed Programs: Fairfax attracts a high concentration of creatives, consultants, and small business owners. We offer 12- and 24-month bank statement programs for buyers whose tax returns don’t reflect their actual income.
Frequently Asked Questions — Fairfax Mortgage
Is Fairfax a good market for first-time buyers?
It’s one of the most accessible in Marin. With entry-level pricing in the $800K–$1.2M range and the county conforming limit at $1,149,825, conventional financing with 5–10% down is feasible for many first-time buyers. CalHFA programs can also apply for income-qualifying buyers.
Can I finance a fixer-upper in Fairfax?
Yes. FHA 203k and Fannie Mae HomeStyle renovation loans let you purchase and finance renovations in a single loan based on the home’s after-improved value. This is particularly powerful for Fairfax fixer inventory where cosmetic updates can significantly increase value.
Do canyon homes in Fairfax have financing challenges?
Some canyon properties have unique characteristics — septic systems, access road easements, or older construction that can trigger lender overlays. We have experience with Marin canyon properties and work with portfolio lenders who evaluate these homes on their merits rather than applying generic overlays.
I’m self-employed. Can I qualify for a Fairfax mortgage?
Yes. If your tax return shows less income than you actually earn due to business deductions, bank statement programs use your actual deposit history — not your Schedule C — to calculate qualifying income. We offer 12- and 24-month bank statement options across multiple lenders.
📞 Call or Text: (800) 239-1103 | Text: (310) 849-9124
Michael DiVita — DRE #01372066 | NMLS #241655 | Company DRE #01818285 | NMLS #323700
