Tiburon’s Local Mortgage Expert — Michael DiVita Lives Here
When you’re buying a home in Tiburon, you want a mortgage broker who knows this market from the inside — not someone who has to look it up. Michael DiVita, founder of DiVita Home Finance, is a Tiburon resident with 20 years of experience arranging financing for the Bay Area’s most competitive and complex real estate transactions. He has closed loans on Tiburon’s hillside estates, waterfront properties, and everything in between.
Tiburon’s median home price in 2026 exceeds $3.5 million, with luxury and waterfront properties regularly trading between $5M and $15M+. Nearly every home purchase here requires jumbo or super jumbo financing — a specialized market where lender relationships, speed, and local appraisal knowledge make the difference between winning and losing an offer.
Tiburon Real Estate Market: 2026 Snapshot
Tiburon commands some of the highest price-per-square-foot valuations in the country. The combination of Bay and San Francisco views, ferry access to the Financial District, top-rated Reed Union School District, and a remarkably walkable downtown creates extraordinary demand with very limited inventory. Homes rarely sit. Competitive offers are common, and sellers favor buyers with fully underwritten approval letters over standard prequalifications.
- Typical price range: $2.5M – $12M+
- Loan type: Jumbo (above $1.149M conforming limit) and super jumbo ($3M+)
- Common borrower profile: High-net-worth executives, tech founders, professionals with equity-heavy compensation
- Key financing challenge: Documenting complex income (RSUs, carried interest, bonus-heavy W-2s, K-1s)
Mortgage Options for Tiburon Buyers
Jumbo Loans: Standard jumbo loans in Marin County cover purchase prices above the conforming loan limit. We work with portfolio lenders who specialize in Bay Area real estate and offer competitive rates for credit-strong, high-net-worth borrowers.
Super Jumbo Loans: For purchases above $3M–$4M, we access private banking relationships and specialty lenders who evaluate borrowers on overall financial picture — assets, liquidity, and long-term income trajectory — rather than just debt-to-income ratios.
Asset Depletion / Asset Qualifier: Many Tiburon buyers have retired or transitioned to consulting and show limited W-2 income despite significant net worth. We arrange loans that use investment portfolios, retirement accounts, and real property equity as qualifying income.
Interest-Only Jumbo: Popular with high-earning buyers who prefer to preserve monthly cash flow while maximizing principal size. We offer IO periods of 5, 7, and 10 years on qualifying jumbo loans.
Bridge Financing: Buying before your current home sells? We arrange bridge loans that let you close on your new Tiburon home without selling first, so you can move on your timeline, not the market’s.
Why DiVita Home Finance for Tiburon
As a Tiburon resident and longtime Marin County mortgage professional, Michael DiVita understands the nuances of this market — from the appraisal challenges of hillside and waterfront properties to the specific lender overlays on non-conforming loans. Our clients typically receive pre-underwritten approval, not just prequalification — a meaningful advantage when sellers are comparing offers.
We close in as few as 14–21 days when needed, offer same-day loan scenario consultations, and work directly with listing agents to structure offers that compete effectively in Tiburon’s fast-moving market.
Frequently Asked Questions — Tiburon Mortgage
What loan limit applies to Tiburon purchases?
Marin County’s 2026 conforming loan limit is $1,149,825. Anything above that is a jumbo loan requiring specialized underwriting. Nearly all Tiburon transactions require jumbo financing given median prices above $3.5M.
I have a large bonus and RSU compensation — will I qualify?
Yes, with the right lender. Portfolio lenders who specialize in Bay Area jumbo underwrite bonus and RSU income with 2-year history. We also have programs for buyers in their first year post-equity-event or those transitioning between employers.
Can I get pre-underwritten approval before making an offer?
Yes. We offer full pre-underwriting — meaning a licensed underwriter reviews your complete file before you make any offer. In a market like Tiburon where listings can receive multiple offers within days, a pre-underwritten letter gives you a significant edge.
What down payment is required for a Tiburon jumbo?
Most jumbo lenders require 20% down to avoid mortgage insurance. Some programs allow 10–15% down with strong credit and reserves. Super jumbo loans above $3M typically require 25–30% down.
Can I buy in Tiburon if my income is primarily from capital gains or a trust?
Absolutely. We work with portfolio lenders who accept documented recurring capital gains, trust distributions, and dividend income. Let us review your situation — there are almost always qualifying options for high-net-worth buyers with non-traditional income structures.
📞 Call or Text Michael DiVita: (800) 239-1103 | Text: (310) 849-9124
DRE #01372066 | NMLS #241655 | Company DRE #01818285 | NMLS #323700
