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. Fairfax is one of my favorite Marin communities — I’ve helped many buyers finance homes there and understand what the market requires. Call (800) 239-1103.
Searching for a mortgage broker in Fairfax, CA? DiVita Home Finance serves buyers and homeowners in this beloved Marin County town with expert guidance and access to wholesale mortgage rates you won’t find at a retail bank. I work with 40+ wholesale lenders and bring that full range to Fairfax buyers regardless of their loan size or income structure.
Fairfax: A Unique Marin County Community
Fairfax is one of Marin County’s most distinctive towns — a small, walkable community known for its artsy culture, redwood groves, and independent spirit. Located at the base of the Bolinas Ridge in the Ross Valley, Fairfax attracts buyers who want Marin’s natural beauty and community feel without the pretension of some wealthier Marin enclaves. The housing stock is varied: craftsman bungalows, mid-century homes, Victorians, and newer construction — often on wooded lots with significant privacy. Home prices in Fairfax generally range from about $900K to $2.5M, with most single-family sales in the range where high-balance conforming or jumbo financing applies. Knowing which program to use at which price point saves buyers real money.
Mortgage Programs We Offer Fairfax Buyers
Conventional conforming: Marin County’s 2026 conforming limit is $1,249,125 — one of the highest in California. More Fairfax homes qualify for agency pricing than buyers expect. Jumbo loans: For purchases exceeding the conforming limit, I offer fixed and adjustable-rate jumbo programs, including 10% down jumbo up to $2.5M for qualified borrowers. FHA loans: Available for lower-priced Fairfax properties — Marin County’s 2026 FHA limit is $1,209,750, covering a meaningful portion of the Fairfax market. Bank statement loans: Fairfax has a high concentration of self-employed residents, artists, and small business owners. I specialize in 12- and 24-month bank statement programs that work for buyers who can’t show W-2 income. Cash-out refinance: Long-time Fairfax homeowners have accumulated enormous equity — I help them access it efficiently for ADUs, renovations, or other goals.
Why Independent Buyers Choose an Independent Broker
Fairfax is home to independent thinkers, and that often extends to their financial choices. Working with an independent mortgage broker vs. a large bank is a natural fit for Fairfax buyers who value personal relationships, transparency, and access to the best options across the market. I work with dozens of lenders and answer to you — not a bank’s quarterly earnings targets. When you call, you reach me directly — not a call center, not an out-of-state rep.
Frequently Asked Questions — Mortgage Broker in Fairfax CA
What is the average home price in Fairfax CA?
Fairfax single-family homes typically range from $900K to $2M+, with the median in the $1.3M–$1.6M range in 2026. Smaller homes and properties needing work may be found in the $850K–$1.1M range. Condos and townhomes generally run $600K–$850K. These price points mean most Fairfax buyers need either high-balance conforming or jumbo financing — the right structure depends on your specific purchase price and down payment.
Do most Fairfax purchases need jumbo loans?
Not necessarily. Marin County’s 2026 conforming loan limit is $1,249,125 — which means purchases up to that loan amount qualify for conventional agency pricing, which is typically better than jumbo. A $1.3M purchase with 20% down results in a $1.04M loan — still conforming. A $1.5M purchase with 20% down results in a $1.2M loan, which is where jumbo programs typically apply. I always structure the loan to maximize program eligibility at your price point.
Can I get a bank statement loan in Fairfax CA?
Yes — I work with several lenders offering 12- and 24-month bank statement programs that are ideal for Fairfax’s self-employed buyer community. These programs use your average monthly deposits to qualify rather than tax returns, which is critical for buyers whose write-offs significantly reduce their taxable income. Down payment requirements and rates vary by program and LTV — I’ll match you with the right lender for your specific income structure.
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
