About DiVita Home Finance
No two banks are the same, and no two borrowers are the same. With 40+ wholesale mortgage lender relationships, we match you with the RIGHT lender and home loan that fits your specific financial goals, whether buying or refinancing California real estate.
40+ Wholesale Mortgage Lenders
40+ Mortgage Options
Custom Fit Home Loans
Why Choose Us
The homebuying experience is flawed. Too often, purchases are made with little or no understanding of the financing process or of financing options. We combine the very best mortgage education, process, and personalized service to put you in complete control of your home financing — with expert guidance at every step.
Message From Founder
I founded DiVita Home Finance in 2007 with the simple goal of offering my clients significantly more home mortgage options compared to their limited local retail banks. We do business with over 40 wholesale lenders across the country, which allows us to offer our clients the right home loan solution that matches their financial goals. Every borrower has a different situation. We listen to their story. And we find them the right home loan that matches their specific needs.
5.0
★★★★★
on Google • 28 reviewsYour California Mortgage Experts
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
Who We Serve
Over 26 years of lending in California has taught one truth: the borrowers who get the best outcome are rarely the ones with the perfect file. They’re the ones who worked with the right mortgage broker. At DiVita Home Finance, we specialize in loans that banks turn away and in clients who need a strategy, not just a rate.
Move-Up Buyers in Marin County and the Bay Area
If you’re selling one home and buying another simultaneously—juggling contingencies, tight timelines, and competing offers—we’ve done this hundreds of times in this market. We structure bridge financing, handle simultaneous closes, and coordinate the full transaction. Our clients routinely close in 15–21 days when it matters.
Jumbo Loan Borrowers
With median home prices in Marin County above $1.4 million, most of our clients need jumbo financing. In high-cost Bay Area counties, conforming loan limits exceed $1 million — so jumbo lending here is our specialty, not an exception. We work with dozens of jumbo lenders and can structure loans from $1M to $5M+, including interest-only options, 10% down with no PMI up to $2.5M, and portfolio programs for complex scenarios.
Self-Employed Professionals
Tech founders, physicians, attorneys, real estate investors—if you have complex income, you need a lender who understands it. We originate bank statement loans (12 or 24 months), 1099-only programs, P&L mortgages, and asset depletion financing. Not every client has a W-2, and we don’t expect them to.
Real Estate Investors
From DSCR loans for rental properties to fix-and-flip financing to multi-unit purchases across California, we work with investors at every level. If the deal makes sense on paper, we can usually find the financing.
First-Time Buyers
We help first-time buyers navigate CalHFA Dream For All, FHA loans with 3.5% down, and every first-time buyer program available in California. We explain every fee, every term, and every option—because an informed borrower makes better decisions.
Seniors and Reverse Mortgage Clients
For homeowners 62 and older, a HECM reverse mortgage can eliminate monthly payments and unlock home equity as tax-free cash flow. We originate federally insured reverse mortgages across California and help you understand whether it fits your retirement plan before you commit to anything.
Ready to get started? Call (800) 239-1103 or text (310) 849-9124.
Frequently Asked Questions — California Mortgage
What types of loans does DiVita Home Finance specialize in?
We specialize in jumbo loans, bank statement loans for self-employed borrowers, FHA and VA loans, DSCR investor loans, CalHFA programs, reverse mortgages (HECM), bridge loans, hard money, and conventional financing for all California property types.
How long does the mortgage approval process take in California?
Most purchase loans close in 21–30 days from application. We close in as few as 15 days when the situation requires it. Pre-approval typically takes 24–48 hours with a complete file.
Can self-employed borrowers qualify for a mortgage in California?
Yes. We offer bank statement loans using 12 or 24 months of deposits, 1099-only programs, P&L statement mortgages, and asset depletion financing. These programs are designed for borrowers whose tax returns don’t reflect their actual income.
What’s the advantage of using a mortgage broker instead of a bank?
A mortgage broker shops your file across dozens of wholesale lenders simultaneously. This produces lower rates, more competitive terms, and more creative solutions than any single bank can offer. You also get a single point of contact who advocates for you throughout the process.
Do you offer jumbo loans in Marin County and the Bay Area?
Yes. Jumbo lending is our core business in Marin County, where median home prices exceed $1.4 million. Bay Area high-cost county conforming limits are above $1 million, and we regularly originate jumbo loans from there up to $5 million-plus. Portfolio lenders we work with allow 10% down with no PMI on jumbo loans up to $2.5 million.
What states does DiVita Home Finance serve?
We are licensed to originate mortgage loans in California, Oregon, and Colorado. Michael DiVita (DRE #01372066, NMLS #241655) and DiVita Home Finance, Inc. (DRE #01818285, NMLS #323700) are licensed in all three states.