I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. Kentfield is one of the markets I know best — I live in Marin and close jumbo loans here regularly. Call (800) 239-1103.
In Kentfield, the difference between getting the house and losing it often comes down to one thing: how fast your mortgage broker moves. This is not a market where you take a week to shop rates and circle back. Homes in Kentfield move quickly, and sellers have options. The buyers who win are the ones who show up prepared — fully approved, with documentation in hand, and a lender who has already called the listing agent.
Kentfield is widely regarded as one of the premier family communities in Marin County — and arguably all of Northern California. The Kentfield School District is among the highest-rated in California, the neighborhood’s tree-canopied streets and proximity to College of Marin make it enduringly desirable, and inventory turnover is low because homeowners simply do not want to leave. When a home comes to market in Kentfield, qualified buyers move immediately.
Pre-Underwriting Before You Offer
A standard pre-approval is a lender’s quick read of your financials — credit score, rough income, a number on a letter. Pre-underwriting is different. It means a full underwriter has reviewed your income documents, asset statements, and credit file and given a conditional approval before you ever write an offer. I complete full pre-underwriting in 24–48 hours.
Kentfield is a jumbo mortgage market across the board, and the buyer profile is typically high-earning professionals — executives, physicians, business owners, and equity compensation recipients who may have income that is partly W-2 and partly variable. Pre-underwriting in Kentfield means getting the full picture sorted before the offer: the equity award schedule, the business distributions, the investment property income — all documented and reviewed so the underwriting process after contract is a formality, not a discovery.
- Income: W-2, self-employed, RSUs, rental income, bank statement — all documented and signed off
- Assets: Down payment and reserves confirmed with actual account statements
- Credit: Any conditions identified and cleared upfront
- Loan structure: Modeled to the specific purchase price — not a generic approval ceiling
The Call to the Listing Agent
Before every offer my clients submit, I call the listing agent directly. I introduce myself, confirm the buyer’s financing is fully pre-underwritten, answer any questions about the loan structure, and establish that we can close on any timeline the seller needs — typically 14 to 21 days. This call is one of the highest-ROI moves in any competitive market. Sellers in Kentfield are often under contract on their next home and have real timing pressure. A listing agent who can tell their seller “I spoke with the lender, they know this file cold, and they said 21 days is no problem” fundamentally changes how a financed offer competes against cash.
Proof of Funds That Sellers Respect
In Kentfield, where the buyer pool is sophisticated and listing agents are experienced, a proof of funds package carries real weight. Every client gets: a pre-approval letter written for the exact address and purchase price (not a ceiling), redacted bank and investment statements confirming down payment funds are liquid, and my direct number on the letter so the listing agent can call and speak to someone who knows the file — not a call center.
Frequently Asked Questions — Kentfield Mortgage Broker
What loan amounts do Kentfield home purchases typically require?
Virtually all Kentfield purchases require jumbo financing. The 2026 conforming loan limit for Marin County is $1,249,125, and median home prices in Kentfield are well above that threshold. Buyers typically need loan amounts of $1.5M–$3M+ depending on down payment. Jumbo lenders scrutinize income and reserves more carefully than conforming programs, which is exactly why full pre-underwriting before writing an offer matters so much — you want any qualification issues resolved before you’re in competition, not discovered during escrow.
How fast can you pre-approve a buyer in Kentfield?
Full pre-underwriting — where an actual underwriter has reviewed all income, asset, and credit documents — takes 24–48 hours once complete documents are submitted. A preliminary pre-approval letter for a buyer who wants to start attending open houses can often be issued same-day once I’ve reviewed the basics. When a client finds a specific property, I write an address-specific pre-approval letter for that exact purchase price, which is a much stronger document than a generic ceiling letter.
Do you work with buyers who have RSU or equity compensation income?
Yes — RSU income from Bay Area tech employers is one of the most common income types I see in Kentfield. I’m familiar with how to document and average vesting RSU income for jumbo lenders, how different lenders treat unvested grants, and how to structure the loan when RSU income is a meaningful portion of total compensation. This is exactly the type of income complexity that benefits from full pre-underwriting — so there are no surprises about how much qualifying income your RSUs contribute when you’re already in contract.
See all Marin County mortgage services at DiVita Home Finance
Talk to Michael Directly
DiVita Home Finance | Tiburon, CA | In lending since 2000, founded DiVita Home Finance in 2007. Michael DiVita DRE #01372066 | NMLS #241655. Company DRE #01818285 | NMLS #323700.
💬 Text: (310) 849-9124
