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"excerpt":" Creative Mortgage Broker in California | DiVita Home Finance (800) 239-1103 Home Loan Options Meet The Team About Us Blog Contact Us Select Page California’s Creative Mortgage Broker When the bank says no, we find a way. Apply Now About DiVita Home Finance DiVita Home Finance is California’s creative mortgage broker: we close the loans banks turn down. Self-employed income, bank statement and asset depletion loans, non-warrantable and SB 326 condos, Palm Springs leased land, RSU income, foreign nationals, and jumbo loans in Marin and San Francisco. 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 Here’s the flaw in mortgage lending: banks lend from a small mold. Their appetite for risk is low, and they can’t wrap their heads around a common-sense approach to lending. If your income, your property or your story doesn’t fit their checklist, the answer is no, even when the loan makes sense. We take a common-sense approach. We start with your situation, shop it across 40+ wholesale lenders to find the one whose guidelines fit, and guide you through every step so you understand your options and stay in control of your home financing. 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. What Our Clients Are Saying Trusted by families across California 5.0 ★★★★★ on Google • 28 reviews ★★★★★ “Michael and the DHF team have been outstanding to work with. Over the years, they have proven to be the most reliable and well-suited lenders for meeting our clients’ loan needs. Michael consistently ensures clients receive the most competitive rates and best loan programs available.” Marcia Skall Google Review · 8 months ago ★★★★★ “Mike was an absolute pleasure to work with. Thorough, responsive, professional — couldn’t ask for a better mortgage broker to help me with purchasing a home cross-country! Thank you Mike for all of your help.” Geoff Horowitz Google Review · 1 month ago ★★★★★ “Michael took me under his wing and persevered until we were over the finish line. Precisely what this extremely busy first time home buyer required. Highly recommended.” Migrant Pickers Google Review · 1 month ago ★★★★★ “Over the years, we have maintained a longstanding relationship with Michael at DHF. In my experience, they are the most suitable institution for meeting our loan requirements. Michael consistently ensures that we obtain the most appropriate loan terms for our specific needs.” Amir Mirzazadeh Google Review · 1 year ago ★★★★★ “This company is professional and extremely knowledgeable. I highly recommend them if you need a mortgage or refinance.” Mitchell Moadeb Google Review · 2 months ago ★★★★★ “He locked in an awesome rate for us and we could not be happier!” Google Reviewer Google Review ★★★★★ “He also referred me to the best realtor in Marin. Could not have asked for a better experience.” Google Reviewer Google Review ← → See all 28 reviews on Google Turned down by a bank? Talk to a creative mortgage broker. Apply Now 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 counti",
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