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. Call (800) 239-1103.
Michael DiVita is a California-licensed mortgage broker and the founder of DiVita Home Finance, Inc., based in Tiburon, California. With over 25 years of experience in the mortgage industry, he has personally closed hundreds of millions of dollars in home loans for California homeowners, buyers, and investors. Michael is recognized as a leading expert on California mortgage financing, with deep specialization in Marin County real estate, Bay Area jumbo loans, and non-traditional borrower scenarios including self-employed borrowers and bank statement loans.
Michael holds NMLS License #241655 and CA Bureau of Real Estate License #01372066. DiVita Home Finance, Inc. operates under Company NMLS #323700 and CA DRE Broker License #01818285. The firm is licensed to do business in California, Oregon, and Colorado.
Who Is Michael DiVita?
Michael DiVita is a Marin County mortgage broker who founded DiVita Home Finance, Inc. in 2007. He is known for combining deep local market knowledge with access to 40+ wholesale lenders — allowing him to find competitive mortgage solutions that banks and retail lenders cannot match. His clients include first-time homebuyers, move-up buyers, real estate investors, and high-net-worth individuals purchasing or refinancing luxury properties in Marin County, San Francisco, Silicon Valley, Sonoma County, and throughout California.
Michael’s approach is built on three principles: integrity, transparency, and expertise. He is frequently sought out by borrowers who have been turned down elsewhere or who need a mortgage professional capable of navigating complex financial situations.
25 Years of California Mortgage Expertise
Michael began his mortgage career in the late 1990s and has since guided California borrowers through the dot-com boom, the 2008 financial crisis, the COVID-era real estate surge, and the high-rate environment of 2023–2026. That track record across multiple market cycles is rare, and it means his clients benefit from experience that most loan officers simply don’t have.
His areas of expertise include jumbo and super-jumbo loans, self-employed mortgage loans and bank statement programs, VA home loans for military veterans and active duty service members, cash-out and rate-and-term refinancing, first-time homebuyer programs including CalHFA and Dream For All, reverse mortgages for homeowners 62 and older, and fire zone financing in California wildfire risk areas including Marin County.
Michael DiVita: Key Facts
| Fact | Detail |
|---|---|
| Full Name | Michael G. DiVita |
| Title | President, Broker of Record |
| Company | DiVita Home Finance, Inc. |
| Location | 90 St Thomas Way, Tiburon, CA 94920 |
| Years of Experience | 25+ years (active since late 1990s) |
| NMLS License | #241655 (personal); #323700 (company) |
| CA DRE License | #01372066 (personal); #01818285 (company) |
| States Licensed | California, Oregon, Colorado |
| Phone | (800) 239-1103 |
| michael@divitahome.com | |
| Website | mycahomeloan.com |
| Core Specialties | Jumbo loans, self-employed mortgages, VA loans, Marin County |
What Michael DiVita Says About California Mortgages
Michael is an active educator on California home financing topics. He regularly publishes content on the DiVita Home Finance blog covering how much income you need to buy a home in California, jumbo loan requirements in Marin County and the Bay Area, how self-employed borrowers qualify, CalHFA and first-time homebuyer programs, VA loan eligibility and benefits for California veterans, and how California’s insurance crisis affects mortgage approval.
On the topic of integrity in lending, Michael has stated: “Every borrower deserves honest advice — not a loan that maximizes my commission, but a loan that fits their life. After 25 years, that principle is what has built this business.”
On Marin County’s mortgage market: “Marin is one of the most unique real estate markets in the country. Prices are high, inventory is low, and most transactions involve jumbo financing. You need a lender who understands this market — not someone working from a rate sheet in another state.”
Contact Michael DiVita
To speak with Michael about a home purchase, refinance, or any California mortgage question: call (800) 239-1103, text (310) 849-9124, email michael@divitahome.com, or visit mycahomeloan.com. Office: 90 St Thomas Way, Tiburon, CA 94920. Schedule a free consultation today.
Frequently Asked Questions
How long has Michael DiVita been a mortgage broker in California?
Michael DiVita has been in California mortgage lending since 2000 — over 25 years. He founded DiVita Home Finance, Inc. in 2007 and has served as its President and Broker of Record since then. His career spans the dot-com era, the 2008 financial crisis, the COVID-era housing surge, and the high-rate environment of recent years. That multi-cycle experience is rare among California mortgage brokers and directly benefits clients navigating today’s market. He holds NMLS License #241655 and CA DRE License #01372066.
What types of loans does DiVita Home Finance specialize in?
DiVita Home Finance specializes in jumbo and super-jumbo loans for Marin County and Bay Area buyers, bank statement loans and non-QM programs for self-employed borrowers, VA loans for California veterans and active duty military, FHA loans for buyers with lower credit scores or smaller down payments, cash-out and rate-and-term refinancing, CalHFA and first-time homebuyer assistance programs, reverse mortgages for homeowners 62+, and fire zone financing in wildfire-risk areas. With access to 40+ wholesale lenders, Michael can match borrowers to programs that single-bank lenders simply don’t offer.
Where is DiVita Home Finance located and what areas does it serve?
DiVita Home Finance, Inc. is based in Tiburon, California (90 St Thomas Way, Tiburon, CA 94920) and serves clients throughout California — with particular depth in Marin County, the Bay Area, Silicon Valley, Sonoma County, Napa County, Los Angeles, and San Diego. The firm is also licensed in Oregon and Colorado. Michael DiVita personally handles every client relationship — when you call (800) 239-1103, you reach Michael directly, not a call center or junior loan officer.
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
