Point Reyes Station Mortgage Broker
DiVita Home Finance is your local point reyes station mortgage broker — serving buyers and homeowners in Point Reyes Station and throughout Marin County since 2007. Whether you’re purchasing your first home, moving up, or refinancing, we bring local expertise and access to 40+ wholesale lenders to find the best loan for your situation.
About Point Reyes Station Real Estate
Point Reyes Station is the heart of West Marin — a small, arts-oriented community surrounded by the Point Reyes National Seashore and working ranches. Properties range from small in-town homes to large agricultural parcels. The area attracts buyers seeking rural privacy, proximity to nature, and the unique West Marin lifestyle. Home prices typically range from $700K to $3M+ for larger ranching properties.
Home Loan Options in Point Reyes Station
West Marin properties can present unique financing challenges — agricultural land, properties with shared wells or septic systems, and rural acreage require lenders with experience in these situations. We work with lenders familiar with West Marin’s property types, including USDA rural financing options for eligible properties.
| Loan Type | Best For | Down Payment |
|---|---|---|
| Conventional High-Balance | Primary purchases up to $1,209,750 loan | 5–20% |
| Jumbo | Loan amounts above $1,209,750 | 10–20% |
| VA Loan | Veterans and active-duty military | 0% |
| FHA | Lower credit scores or minimal down payment | 3.5% |
| Bank Statement | Self-employed buyers without W-2 income | 10–20% |
| CalHFA | First-time buyers needing down payment help | 3–3.5% + DPA |
Typical Price Range in Point Reyes Station
Homes in Point Reyes Station typically range from $700K–$3M+. Our team is experienced with the full price spectrum — from CalHFA-assisted first-time buyer purchases to multi-million dollar jumbo loans with complex borrower profiles.
Why Use DiVita as Your Point Reyes Station Mortgage Broker?
As a California-licensed mortgage broker, we work with dozens of wholesale lenders — not just one bank’s products. That means we can shop the market to find you the best rate and terms for your specific situation. We know Marin County intimately, including Point Reyes Station and the surrounding communities of Inverness and the Point Reyes National Seashore.
Our clients in Point Reyes Station benefit from:
Local expertise — we understand Marin’s appraisal climate, competitive offer strategies, and what lenders look for in this market. Access to 40+ wholesale lenders — including specialists in jumbo, non-QM, bank statement, and CalHFA loans. A dedicated loan officer from application to closing — no call center handoffs. Fast closings — 15–21 days possible on clean files when needed for competitive offers.
Serving All of Marin County
In addition to Point Reyes Station, DiVita Home Finance serves buyers throughout Marin County — including all of Marin County, and every community from the Golden Gate to Tomales Bay. Visit our Marin County mortgage hub to learn more.
Call (415) 847-7700 or apply online. We’re your local point reyes station mortgage broker — ready to help you find the best loan for your Point Reyes Station home.
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
