Stinson Beach Mortgage Broker
DiVita Home Finance is your local stinson beach mortgage broker — serving buyers and homeowners in Stinson Beach 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 Stinson Beach Real Estate
Stinson Beach is a beloved coastal community on the Pacific coast of Marin County, at the foot of Mount Tamalpais. Known for its wide sandy beach, the Bolinas Lagoon, and a tight-knit community feel, Stinson Beach attracts both full-time residents and second-home buyers from the Bay Area. Properties range from modest beach cottages to stunning oceanfront estates. Prices vary widely — from $800K for smaller homes to $5M+ for oceanfront properties.
Home Loan Options in Stinson Beach
Second home and vacation property financing is common in Stinson Beach. We offer second home conventional loans, jumbo financing for oceanfront properties, and can help with the unique title situations that arise in this coastal community. Properties in the FEMA flood zone may require flood insurance — we factor this into affordability calculations.
| 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 Stinson Beach
Homes in Stinson Beach typically range from $800K–$5M+. 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 Stinson Beach 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 Stinson Beach and the surrounding communities of Bolinas and Mill Valley (via Highway 1).
Our clients in Stinson Beach 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 Stinson Beach, DiVita Home Finance serves buyers throughout Marin County — including Mill Valley and West Marin, 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 stinson beach mortgage broker — ready to help you find the best loan for your Stinson Beach 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
