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 live and work in Marin County — Kentfield is my backyard. Call (800) 239-1103.
Finding the right mortgage broker in Kentfield matters when you’re buying one of the most sought-after homes in Marin County. At DiVita Home Finance, I specialize in jumbo loans and high-balance mortgages that match Kentfield’s luxury market — with direct access, personalized service, and competitive rates across 40+ wholesale lenders. See also: Marin Mortgage Broker | Kentfield Mortgage Guide.
Why Kentfield Buyers Need a Specialized Mortgage Broker
Kentfield is one of Marin County’s most exclusive communities, nestled in Ross Valley between Corte Madera and Ross. With median home prices well above $2 million, most purchases exceed conforming loan limits and require jumbo financing. The 2026 conforming loan limit for Marin County is $1,249,125 — above this, you’re in jumbo territory, which requires lenders who understand high-net-worth borrowers, complex income situations, and large asset portfolios.
As a mortgage broker, I work with dozens of wholesale jumbo lenders — not just one bank — giving you access to better loan programs, lower rates, and more flexible qualification guidelines than walking into a local branch. I close Marin jumbo purchases in 21–28 days, routinely. You call me directly, not a call center.
Mortgage Programs for Kentfield Buyers
Jumbo loans: Financing from $1.25M to $5M+ for single-family homes and estates. Fixed and adjustable rates with interest-only options available. Asset depletion loans: Qualify using investment portfolio assets rather than traditional income — ideal for retirees or investors in Kentfield. Bank statement loans: For self-employed buyers who can’t document income through traditional tax returns — qualify on 12–24 months of bank statements. High-balance conforming loans: If your purchase falls under the $1,249,125 Marin limit, agency rates still apply. Cash-out refinance: Tap equity in your Kentfield home for renovations, investment, or major expenditures.
What to Expect Buying a Home in Kentfield
The Kentfield market moves fast. Most listings in the 94904 ZIP code attract multiple offers within days, especially well-maintained properties near the Kentfield School District. Having a fully underwritten pre-approval — not just a soft pre-qualification — is essential before you begin your search. I offer fast pre-approvals so you can move the moment the right property appears. Sellers in Kentfield expect buyers to be ready.
Frequently Asked Questions
What credit score do I need for a jumbo loan to buy in Kentfield CA?
Most jumbo lenders serving Kentfield and Marin County prefer a 720+ credit score, though some programs accept 680+ for well-qualified borrowers with strong reserves. The higher your credit score, the better your rate — the spread between 720 and 760+ on a jumbo loan can be 0.25–0.5%, which is meaningful on a $2M+ loan. If your score is below 720, I’ll identify which wholesale lenders have the most competitive programs for your specific profile. Call me and I’ll tell you exactly which programs you qualify for and what rate to expect.
How much down payment is required to buy a home in Kentfield CA?
Most Kentfield purchases require jumbo financing (above the $1,249,125 Marin County conforming limit), so conventional conforming guidelines don’t apply. Jumbo loan down payment requirements in Kentfield: 10% down on loans up to $2.5M with strong reserves and 720+ credit (select programs), 20% down is more commonly required for loans above $2.5M, and 25–30% for loans above $3.5M or for borrowers with complex income documentation. Some asset depletion and bank statement programs have higher down payment requirements — 20–30% — in exchange for more flexible income qualification. I’ll tell you exactly what you need for your purchase price and income profile in the first conversation.
How long does it take to close a home purchase in Kentfield CA?
I typically close purchase loans in Kentfield in 21–28 days from loan application. Competitive offers in Marin County often request 21-day closes — this is a standard I accommodate regularly for pre-approved buyers. The key is having your loan fully underwritten before you’re in contract so there are no surprises once your offer is accepted. The Kentfield market moves fast enough that being prepared to close in 21 days is a meaningful competitive advantage over buyers who need 30–45 days. Call me before you start your search and I’ll issue a full underwriting pre-approval so you’re ready to move immediately.
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
