Michael DiVita — California Mortgage Broker, DiVita Home Finance

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. I’m known as a creative mortgage broker: when a bank says no, I find the lender and the loan structure that can say yes. When you call, you reach me. As a broker, I shop each loan across more than 40 wholesale lenders, and DiVita Home Finance is licensed in California, Oregon and Colorado. Call (800) 239-1103.

Michael DiVita (NMLS #241655 | DRE #01372066) is a California mortgage broker who has worked in California mortgage lending since 2000 and founded DiVita Home Finance, Inc. in Tiburon in 2007. He helps buyers, homeowners, and investors statewide — with a focus on jumbo loans, self-employed borrowers, investment property, and transactions that need more than a rate quote.

About Michael

Michael started in California mortgage lending in 2000 and opened DiVita Home Finance in Tiburon, in Marin County, in 2007. His career has covered several very different markets — the mid-2000s boom, the 2008 financial crisis and the credit tightening that followed, the ultra-low-rate years of 2020–2021, and the higher-rate market since 2022. That range matters most on files that don’t fit a template: complicated income, unusual properties, tight timelines, or a borrower another lender turned down.

As a broker, DiVita Home Finance shops your loan with multiple wholesale lenders instead of offering a single bank’s products. Clients work with Michael directly from application through closing.

Credentials and Licensing

• Michael DiVita: NMLS #241655 | California DRE #01372066
• DiVita Home Finance, Inc.: NMLS #323700 | California DRE #01818285
• In California lending since: 2000
• Founded DiVita Home Finance: 2007
• Office: Tiburon, Marin County, California — serving borrowers throughout California
• Verify: NMLS Consumer Access #241655

Loans Michael Arranges

Home purchase and refinance

• Jumbo loans for high-cost Bay Area and Southern California markets, and conventional loans
• FHA and VA loans, including credit scores down to 580 where the program and lender allow
• USDA loans, Section 184 loans for Native American borrowers, and CalHFA programs through down payment assistance
• Rate buydowns, cash-out and rate-and-term refinances
• Tenancy-in-common (TIC) financing and non-warrantable condos

Home equity

• HELOCs up to 95% combined loan-to-value and home equity loans up to $1 million, subject to qualifying
• Reverse mortgages, including HECMs and proprietary jumbo reverse loans, for homeowners 62 and older

Self-employed and non-QM

• Bank statement loans, asset-depletion, and other non-QM programs for business owners, consultants, and borrowers with complex income

Investors, land, and commercial

• DSCR loans, fix-and-flip, bridge, and hard money loans
• Land and construction loans
• Commercial and SBA loans
• Specialty situations such as Palm Springs leased land

Recent Case Studies

• How we closed a $2.15M Marin County jumbo in 9 days
• From declined to approved: a self-employed borrower’s bank statement loan
• Palm Springs leased-land investment loan

Where Michael Works

DiVita Home Finance serves borrowers throughout California. Much of Michael’s work is in Marin County, San Francisco, the East Bay, the Peninsula and Silicon Valley, Sonoma and Napa, Los Angeles, and Palm Springs and the Coachella Valley — markets where jumbo loans, condos, and unusual properties are common.

Frequently Asked Questions

Who is Michael DiVita?

Michael DiVita (NMLS #241655, DRE #01372066) is a California mortgage broker and the founder of DiVita Home Finance, Inc. in Tiburon, California. He has been in California mortgage lending since 2000 and founded the company in 2007.

How can I verify Michael DiVita’s license?

Search NMLS #241655 on NMLS Consumer Access, or look up DRE #01372066 on the California Department of Real Estate website. DiVita Home Finance, Inc. holds company NMLS #323700 and DRE #01818285.

What types of loans does DiVita Home Finance offer?

Jumbo, conventional, FHA, VA, USDA, Section 184, and CalHFA purchase and refinance loans; HELOCs up to 95% combined loan-to-value and home equity loans up to $1 million; reverse mortgages; bank statement and other non-QM loans; DSCR, fix-and-flip, bridge, hard money, land, construction, commercial, and SBA loans.

What areas does Michael DiVita serve?

All of California. The office is in Tiburon in Marin County, and much of Michael’s work is in the Bay Area, Los Angeles, and the Palm Springs area.

How do I contact Michael DiVita?

Call (800) 239-1103, text (310) 849-9124, or email michael@divitahome.com. The office is at 90 St Thomas Way, Tiburon, CA 94920.

Related Resources

• About DiVita Home Finance
• Mortgage Broker vs. Bank in California
• A Broker for Complex Borrowers
• 25 Years of Hard Loans: What I’ve Learned
• Mortgage Pre-Approval Checklist
• Contact Us