Palm Desert Mortgage | DiVita Home Finance

Palm Desert Mortgage | DiVita Home Finance

Palm Desert is the commercial and lifestyle hub of the Coachella Valley — home to the prestigious El Paseo shopping district, College of the Desert, McCallum Theatre, and dozens of master-planned resort communities with golf, tennis, and resort amenities. With a blend of primary residences, second homes, and investment properties, Palm Desert offers one of the broadest ranges of real estate in the desert. DiVita Home Finance provides expert mortgage financing for buyers, homeowners, and investors throughout Palm Desert — including local expertise in vacation home loans, short-term rental investment, and all standard purchase and refinance programs.

Palm Desert Mortgage Programs

Typical home prices in Palm Desert range from $500K – $2.5M, with most purchases financed through Conventional / Jumbo / Vacation Home programs. Riverside County’s 2026 conforming limit is $806,500 — the national baseline. As a mortgage broker, we shop across 40+ lenders to find the best terms for your specific property and situation.

  • Conventional Loans — Down payments from 3–20% for fee-simple properties below $806,500
  • FHA Loans — 3.5% down, 580+ credit score, available on qualifying land lease properties
  • VA Loans — Zero down for eligible veterans, no PMI, available on qualifying land lease properties
  • Jumbo Loans — For properties above $806,500; 10-20% down required
  • Vacation Home / Second Home — 10% down for non-primary-residence purchases
  • DSCR / Short-Term Rental — Qualify on rental income; no tax returns required

Most Palm Desert properties are fee-simple (you own the land), which broadens financing options compared to land lease areas. Resort community HOAs and condo warrantability are the primary underwriting considerations here — we advise on both early in your search.

For a complete overview of Palm Springs and Coachella Valley mortgage programs, visit our Palm Springs mortgage hub page.

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Or call: 800-239-1103 — 7 days a week.

Explore the Coachella Valley

DiVita Home Finance serves all Coachella Valley communities. Learn more about our services:

Call 800-239-1103 or apply online to get started today.

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