Michael DiVita (NMLS #241655) is a California-licensed mortgage broker with 25+ years of experience helping Bay Area homebuyers, homeowners, and investors secure financing — specializing in jumbo loans, self-employed mortgages, bank statement loans, and complex transactions that require a human underwriter, not an algorithm.
About Michael DiVita
Michael DiVita founded DiVita Home Finance, Inc. in Tiburon, California in 1998. Over the past 25+ years, he has closed thousands of California mortgage transactions — from $500K first-time buyer loans in Oakland to $12M jumbo purchases in Belvedere and Tiburon.
Michael is known in the Marin County and Bay Area real estate community for his deep lender relationships, ability to close difficult transactions, and personal approach to client service. Agents and buyers who have worked with him consistently report that he answers his phone, solves problems, and closes on time.
Credentials & Licensing
- California Mortgage Broker License: NMLS #323700
- Years of experience: 25+ years (since 1998)
- Company: DiVita Home Finance, Inc.
- Location: Tiburon, Marin County, California
- Lending footprint: Licensed to originate mortgages statewide in California
- Verify license: NMLS Consumer Access #323700
Areas of Expertise
Michael DiVita specializes in mortgage scenarios that require expertise and creativity — not just rate shopping:
- Jumbo loans: Closed hundreds of Bay Area jumbo loans from $1M to $10M+. Deep relationships with 15+ jumbo wholesale lenders.
- Self-employed mortgages: Expert at bank statement loans, P&L-only programs, and qualifying complex business income structures for California’s founders, consultants, and business owners.
- High-cost California markets: Deep knowledge of Marin County, San Francisco, the Peninsula, East Bay, and Silicon Valley market dynamics and lender requirements.
- Investment property loans: DSCR loans, hard money, bridge loans, and portfolio lending for California real estate investors.
- Reverse mortgages: HECMs and proprietary reverse mortgages for California homeowners 62+.
- VA loans: VA loan specialist for California veterans — 0% down, no PMI, competitive rates.
- Difficult transactions: Credit challenges, recent job changes, complex income, high-rise condos, non-warrantable condos, leased land — situations that other lenders decline.
Why Clients Choose Michael DiVita
In California’s competitive real estate market, your mortgage broker can mean the difference between winning and losing a home. Michael DiVita offers:
- Same-day preapprovals — critical in competitive Bay Area offer situations
- 40+ wholesale lenders — more rate competition than any single bank can offer
- Direct access — you work with Michael personally, not a junior processor
- 25 years of lender relationships — leveraged to solve problems and close on time
- No upfront fees — broker compensation comes from the lender at closing
- Statewide licensing — can finance properties anywhere in California
Markets Served
Michael DiVita and DiVita Home Finance serve homebuyers, homeowners, and investors across California — with particular depth in:
- Marin County: Tiburon, Belvedere, Mill Valley, Sausalito, San Rafael, Novato, Corte Madera, Larkspur, Greenbrae, Kentfield, Fairfax, San Anselmo, Ross
- San Francisco: All neighborhoods including Pacific Heights, Noe Valley, Sea Cliff, Cole Valley, Mission, SOMA
- East Bay: Oakland, Berkeley, Piedmont, Orinda, Lafayette, Walnut Creek, Danville, San Ramon
- Peninsula & South Bay: Atherton, Palo Alto, Menlo Park, Los Altos, Los Gatos, Saratoga, San Jose
- Wine Country: Sonoma, Napa, Healdsburg, St. Helena
- Los Angeles & Southern California: Beverly Hills, Santa Monica, Bel Air, Pacific Palisades, Malibu, Palm Springs, Coachella Valley
Contact Michael DiVita
Ready to discuss your California mortgage? Call Michael DiVita directly at (800) 239-1103 or email michael@divitahome.com. DiVita Home Finance is located in Tiburon, California and serves buyers and homeowners statewide.
DiVita Home Finance, Inc.
Tiburon, CA 94920
Phone: (800) 239-1103
NMLS #323700
Verify License on NMLS Consumer Access
