Mortgage Broker in Kentfield CA | Jumbo Loans & Luxury Home Financing

Kentfield is one of Marin County’s most coveted addresses — a small, private enclave tucked between Ross and Greenbrae where tree-lined streets, top-rated schools, and exceptional homes draw buyers from across the Bay Area. If you’re purchasing or refinancing in Kentfield, you need a mortgage broker who understands the luxury market and has access to the jumbo and non-conforming loan programs these price points demand.

At DiVita Home Finance, we’ve been helping buyers and homeowners in Kentfield and throughout Marin County for over 20 years. We work with 100+ lenders and specialize in the financing strategies that match Kentfield’s unique market.

Why Kentfield Requires Specialized Mortgage Expertise

Kentfield homes regularly trade above $3 million, well beyond the conforming loan limit for Marin County. That means most buyers need a jumbo mortgage — a loan that doesn’t conform to Fannie Mae or Freddie Mac guidelines. Jumbo loans have their own qualification standards:

• Typically require 700+ credit score (720+ for best rates)
• 20% down payment is standard, though some programs allow 10–15%
• Debt-to-income ratios are scrutinized more closely
• Reserves of 6–12 months PITI are often required
• Income documentation requirements vary — W-2, self-employed, or asset-based

Getting the wrong lender for a Kentfield purchase can mean higher rates, tighter terms, or a loan denial on a home you’re fully qualified to buy. We match you with the right program from day one.

Kentfield Real Estate — What Buyers Are Seeing

Kentfield’s housing stock skews toward larger single-family homes on generous lots. The area is known for:

• Median home prices consistently above $3M
• Strong demand from tech executives, attorneys, physicians, and high-net-worth buyers
• Low inventory — homes sell quickly when priced correctly
• Kent Middle School and nearby Branson School driving family demand
• Easy access to Highway 101 and Sir Francis Drake Blvd

Buyers in this market need pre-approval letters that carry weight. Our relationships with top jumbo lenders mean our pre-approvals are creditworthy and fast — a critical advantage in a competitive market.

Loan Programs for Kentfield Buyers

Jumbo Loans

Our jumbo programs start where conforming loans end and go up to $10M+. We offer fixed and adjustable-rate options, interest-only structures, and programs that allow higher DTI ratios for high-earning buyers with complex income.

Bank Statement Loans

Many Kentfield buyers are self-employed business owners or entrepreneurs. Bank statement loans use 12–24 months of deposits to qualify — no tax returns required. This is one of the most-used programs for Marin County buyers with non-traditional income.

Asset Depletion Loans

If you have substantial investment accounts or liquid assets, you may qualify based on those assets rather than monthly income. Ideal for retirees, investors, or buyers who’ve recently sold a business.

Conventional High Balance

Marin County qualifies for higher conforming loan limits. Loans within that range may offer better rates than true non-conforming jumbo products.

Cash-Out Refinance

Kentfield homeowners who purchased years ago may be sitting on $1M+ in equity. A cash-out refinance can fund renovations, investment purchases, or college tuition at mortgage rates far below home equity lines.

The Purchase Process — What to Expect

1. Consultation: We review your income, assets, and goals and identify the best program and lender match
2. Pre-Approval: We issue a fully underwritten pre-approval — giving your offer maximum credibility
3. Rate Lock: Once in contract, we monitor rates and lock at the optimal time
4. Appraisal Coordination: Luxury appraisals require experienced appraisers familiar with the Kentfield market — we manage this for you
5. Close on Time: We’ve maintained a near-perfect on-time close rate in Marin County for 20+ years

Kentfield Refinancing — Tap Your Equity or Lower Your Rate

If you already own in Kentfield, refinancing can make sense for several reasons: lower your rate if you locked in during a higher-rate period, access equity for major expenses without selling, remove PMI if your home has appreciated above 20% equity, or switch from ARM to fixed to build equity faster.

We calculate your break-even point upfront — how many months until your monthly savings recover closing costs. If refinancing makes financial sense, we’ll show you the numbers clearly.

Why Kentfield Buyers Choose DiVita Home Finance

• 20+ years in Marin County — we know the market, the appraisers, and the lenders
• 100+ loan programs — we’re never limited to one lender’s guidelines
• Direct access — you work with Michael DiVita, not a call center
• Fast pre-approvals — competitive offers require fast, credible letters
• Fluent in complex income — self-employed, bonus-heavy, equity compensation, RSUs

Frequently Asked Questions

What credit score do I need for a jumbo loan in Kentfield?

Most jumbo lenders require a minimum 700 FICO score. For best rates aim for 720 or higher.

How much do I need to put down on a $3M home?

Most jumbo programs require 20% down ($600,000 on a $3M purchase), though select programs allow 10–15% with strong credit and reserves.

Can I use RSUs or equity compensation to qualify?

Yes — vested RSUs count as income with two years of grant history. We work with the Bay Area tech community regularly and know exactly how to document equity comp for lenders.

How long does a jumbo loan take to close?

With a fully underwritten pre-approval we target 21–28 days to close.

📞 Ready to get pre-approved for your Kentfield home? Call us at (800) 239-1103 or apply online.

DiVita Home Finance — Marin County’s trusted mortgage broker. CA DRE #01818285. NMLS #323700.