Indian Wells Mortgage | DiVita Home Finance

Indian Wells Mortgage | DiVita Home Finance

Indian Wells is the smallest and most exclusive of the incorporated Desert Cities — a masterplanned community of resort hotels, private clubs, and luxury residences centered around some of the valley’s most prestigious golf courses. Home to the BNP Paribas Open tennis tournament, the Indian Wells Tennis Garden, and the historic Indian Wells Resort Hotel, this community attracts an international buyer profile seeking the finest Coachella Valley has to offer. DiVita Home Finance provides expert mortgage financing for buyers, homeowners, and investors throughout Indian Wells — including local expertise in vacation home loans, short-term rental investment, and all standard purchase and refinance programs.

Indian Wells Mortgage Programs

Typical home prices in Indian Wells range from $700K – $4M, with most purchases financed through Jumbo / Vacation Home programs. Riverside County’s 2026 conforming limit is $806,500 — the national baseline. As a mortgage broker, we shop across 40+ lenders to find the best terms for your specific property and situation.

  • Conventional Loans — Down payments from 3–20% for fee-simple properties below $806,500
  • FHA Loans — 3.5% down, 580+ credit score, available on qualifying land lease properties
  • VA Loans — Zero down for eligible veterans, no PMI, available on qualifying land lease properties
  • Jumbo Loans — For properties above $806,500; 10-20% down required
  • Vacation Home / Second Home — 10% down for non-primary-residence purchases
  • DSCR / Short-Term Rental — Qualify on rental income; no tax returns required

Indian Wells residents enjoy the city’s unique resident hotel discounts at desert resorts — an unusual and valuable benefit. Most properties here require jumbo financing; second-home and vacation-home programs are the primary use cases for out-of-area buyers.

For a complete overview of Palm Springs and Coachella Valley mortgage programs, visit our Palm Springs mortgage hub page.

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Or call: 800-239-1103 — 7 days a week.

Explore the Coachella Valley

DiVita Home Finance serves all Coachella Valley communities. Learn more about our services:

Call 800-239-1103 or apply online to get started today.

About DiVita Home Finance

DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.

We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.

📞 Call: (800) 239-1103  |  💬 Text Michael directly: (310) 849-9124