Looking for a mortgage broker in Novato, CA? DiVita Home Finance serves buyers and homeowners throughout Marin County’s largest city with competitive loan programs, local expertise, and the personalized service you won’t find at a big bank.
Why Novato Is One of Marin’s Best Opportunities for Buyers
Novato sits at the northern end of Marin County, offering some of the most accessible home prices in the county while still delivering the Bay Area lifestyle buyers seek — good schools, safe neighborhoods, outdoor recreation, and reasonable commute access. For buyers who’ve been priced out of southern Marin towns, Novato represents a genuine opportunity to own in Marin County.
The city’s ZIP codes (94945, 94947, 94949) span a range of neighborhoods from the historic downtown area to newer planned communities like Vintage Oaks and the former Hamilton Army Air Field — now the vibrant Hamilton master-planned community.
Mortgage Programs for Novato Home Buyers
Conventional loans: The most popular choice for Novato buyers. With homes commonly priced between $700K and $1.3M, many purchases qualify for conventional conforming rates — especially with Marin County’s elevated loan limits.
FHA loans: Only 3.5% down — a great fit for first-time buyers targeting Novato’s more affordable neighborhoods and condo developments. FHA’s high Marin County limit covers most Novato homes.
VA loans: Zero down for eligible veterans. Novato’s Hamilton community has strong ties to the military and we see significant VA loan activity here.
Jumbo loans: For premium Novato properties that exceed conforming limits — particularly in Vintage Oaks and newer construction.
USDA loans: Select Novato properties near the rural fringe may qualify for USDA rural housing loans with zero down payment — we’ll verify eligibility.
Novato Neighborhoods We Serve
DiVita Home Finance helps buyers across all Novato neighborhoods: Hamilton (modern planned community, popular with VA buyers), Vintage Oaks (newer construction, upscale), Downtown Novato (older craftsman and Victorian homes), Bel Marin Keys (waterfront community), Lynwood Hills, Lu Sutton / Novato Hills, and others. Each neighborhood has different price points and optimal loan structures.
Frequently Asked Questions: Novato CA Mortgages
What is the average home price in Novato CA?
Novato’s median price for single-family homes typically ranges from $750K to $1.1M, making it one of the most accessible Marin County markets.
Is Novato good for first-time buyers?
Yes — Novato has more FHA-eligible properties and more affordable price points than most Marin cities. It’s one of the best entry points into Marin County homeownership.
How is the Novato commute?
Highway 101 provides direct access south toward San Rafael, San Francisco, and the East Bay. SMART train service is available from Novato stations for rail commuters.
Call DiVita Home Finance at (800) 239-1103 to get pre-approved for your Novato home. Visit our Marin mortgage broker for more information.
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
