Michael DiVita — Tiburon Resident & California Mortgage Expert
President & Broker of Record, DiVita Home Finance, Inc.
CA DRE #01372066 | NMLS #241655 | (800) 239-1103
A Marin County Mortgage Broker Who Actually Lives Here
I’ve called Tiburon home for nearly two decades. I watch the Marin real estate market not just from behind a desk, but from my own neighborhood — tracking home prices in Belvedere and Tiburon, following inventory shifts in Corte Madera and Fairfax, and understanding firsthand why buyers choose Marin County over every other place in the Bay Area.
That local perspective isn’t something you can get from a national lender or an online mortgage platform. It’s built over 20 years of living here, raising three kids here (Dominic, Sofia, and Gianna, alongside my wife Melissa), and financing hundreds of Marin County home purchases and refinances — from starter condos in Novato to waterfront estates in Belvedere.
My Story
After graduating college, I immediately began my career as a Mortgage Loan Processor in Los Angeles. Within a year I transitioned to Loan Officer, and I’ve been originating mortgages across California ever since — more than 20 years and thousands of transactions later.
In 2007, I founded DiVita Home Finance because I believed the mortgage process was broken. Too many lenders were opaque, slow, and impersonal. I built DiVita around the opposite values: direct access to your broker, honest advice, and a process that respects your time and intelligence.
Today DiVita Home Finance is one of Marin County’s most active independent mortgage brokers. We close loans in every city in Marin, and we serve clients throughout California — from first-time buyers in Novato to self-employed executives in San Francisco to investors in Los Angeles and San Diego.
Marin County Expertise
Marin County has a unique mortgage market. High home values mean most purchases require jumbo loans or high-balance conforming loans. A significant portion of buyers are self-employed, requiring bank statement or non-QM programs. Fire zone properties in West Marin require specialized insurance knowledge. And Marin’s competitive inventory means speed matters — buyers who can close in 21 days win deals that 30-day buyers lose.
I know all of this because I live it. When a buyer asks me about the Novato school district, the commute from San Anselmo, or flood zones near the Corte Madera creek, I’m answering from personal knowledge — not a Wikipedia search.
Cities I serve in Marin County:
- Tiburon | Belvedere | Sausalito
- Corte Madera | Larkspur | Greenbrae
- San Rafael | San Anselmo | Fairfax
- Ross | Kentfield | Novato
- Stinson Beach | Point Reyes | Inverness
👉 See our full Marin County mortgage services →
Specialties
- Jumbo loans — Marin’s median price requires it; I’ve closed thousands
- Self-employed borrowers — Bank statement, 1099, P&L programs
- VA loans — Helping veterans buy in Marin and across California
- Non-warrantable condos & SB-326 — We close what other lenders won’t
- Fire zone properties — West Marin, Fairfax, and Inverness specialists
- Fast close — 21-day closings available for competitive offers
Work With Me
I answer my own phone. When you call DiVita Home Finance, you’re talking directly to me or one of our senior loan officers — not a call center rep reading from a script.
📞 (800) 239-1103 — call or text, 7 days a week
📧 michael@divitahome.com
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124