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.
Ready to Get Started in Palm Desert?
Or call: 800-239-1103 — 7 days a week.
