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. San Rafael is one of the markets I know best — every neighborhood, every price point. Call (800) 239-1103.
If you’re looking for a trusted mortgage broker in San Rafael, CA, you’ve found one. As Marin County’s county seat, San Rafael has one of the most diverse real estate markets in the Bay Area — from entry-level condos in Canal to executive estates in Dominican — and I have the loan programs to match every price point and borrower profile.
Why Work With a Mortgage Broker in San Rafael?
A mortgage broker works for you, not a single bank. I shop your loan across 40+ wholesale lenders to find the best rate and program for your specific situation. A bank can only offer you their products — with their pricing. I can access dozens of lenders simultaneously and bring you the best options side by side. Whether you’re a first-time buyer in Canal, a move-up buyer in Dominican, or an investor adding to your Marin County portfolio, I tailor the financing to your goals — not to what happens to be on my shelf that month.
Mortgage Programs for San Rafael Home Buyers
Conventional loans: Competitive rates for buyers with strong credit and 3–20% down. Marin County’s 2026 conforming limit of $1,249,125 means more San Rafael purchases qualify for agency pricing than you might expect. FHA loans: 3.5% down for buyers with credit scores as low as 580 — a viable option for first-time buyers in San Rafael’s more affordable neighborhoods like Terra Linda and Sun Valley. VA loans: Zero down for eligible veterans and active-duty military. San Rafael has a meaningful veteran population and VA purchase and refinance is something I handle well. Jumbo loans: For purchases above $1,249,125 — common in Dominican, Gerstle Park, and Lucas Valley. Fixed, ARM, and interest-only structures available. Bank statement loans: For self-employed borrowers who can’t document income through traditional tax returns — 12–24 months of statements in lieu of W-2s.
San Rafael Neighborhoods I Serve
I help buyers across all San Rafael neighborhoods: Dominican (upscale hillside homes, typically $1.5M–$3M+), Gerstle Park (historic craftsman homes, strong demand), Sun Valley (family-friendly, mid-range pricing), Terra Linda (northern San Rafael, more affordable entry points), Marinwood, Lucas Valley (larger lots, newer construction), and the Canal District (most affordable, FHA-friendly). Each area has different price points and loan program dynamics — I know them all from years of working this market.
Frequently Asked Questions — Mortgage Broker San Rafael CA
What is the average home price in San Rafael CA in 2026?
San Rafael home prices vary significantly by neighborhood. Entry-level condos start around $500K–$700K. Single-family homes in most San Rafael neighborhoods range from $800K to $1.5M. Premium areas like Dominican and Lucas Valley routinely exceed $2M. This breadth means buyers at nearly every budget level have options — from FHA-eligible purchases under $700K to jumbo purchases over $2M. I’ll give you a realistic budget number in the first conversation based on your income, assets, and credit profile.
Can I get an FHA loan in San Rafael CA?
Yes. The 2026 FHA loan limit for Marin County is $1,209,750 — which covers the majority of San Rafael entry-level purchases. FHA loans require only 3.5% down with a 580+ credit score, or 10% down with a 500–579 score. They’re a strong fit for first-time buyers in Terra Linda, Sun Valley, and Canal. The trade-off is mortgage insurance (MIP) for the life of the loan if you put less than 10% down — once you’ve built equity, refinancing into a conventional loan eliminates it.
How long does it take to get a mortgage in San Rafael?
I typically close purchase transactions in 21–30 days. For fully documented conventional and FHA loans, 21 days is achievable. Jumbo purchases typically run 25–30 days due to the appraisal timeline. If you’re in a competitive offer situation and need a 14–18 day close, let me know upfront — I can often make it happen for clean files. My pre-approvals are underwriter-reviewed, so there are no surprises after your offer is accepted.
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
