When you call me you can expect friendly, professional advice and clear explanations of all of our available mortgage products.  I will walk you through the advantages and risks associated with each loan option and provide the guidance you need to help you make the right decision.

Unlike the vast majority of loan officers, I am an accountant by education.  As such, I am able to analyze current market conditions and structure creative loan alternatives for you in a manner much different, and more advantageous to you, than virtually all other loan officers.

I started doing mortgage loans in 2005 so I have almost two decades of experience in this complex and important industry that impacts families’ lives during the entirety of their mortgages.  Consequently, aligning with a seasoned, mortgage loan professional at the outset for your mortgage loan needs cannot be overstated.

In addition, if you have FICO score issues, I regularly do FICO rescoring at no cost to my clients.  I have successfully provided this service to dozens of them over my mortgage loan career, saving them $75,000 to $100,000, and reducing their loans’ interest rates, loan costs, and monthly payments.  Many of my rescoring efforts made the difference between my clients being able to purchase or not, as is evidenced at this link.

I will strive to do your loan at very low cost and at the lowest interest rate possible to achieve the lowest feasible monthly payment.  By scrolling down to the mortgage calculator on this page, you will be able to determine the approximate principal and interest payment for your loan.  It will not have any hidden charges.  What I promise to deliver, I deliver.

Because we work with 60+ quality lenders, you will have a multitude of loan choices that will truly benefit you.  We definitely have something for everybody!    

If, by chance, you are hesitant about purchasing now because of the high interest rates, you shouldn’t be.  Buying a home should never be about the interest rate, but rather about the payment.  If you can afford it, are agreeable to making it, and can qualify for a loan, there’s no reason to wait because it will cost you $100,000+ as evidenced by the flyer at this link.  If you have any questions about the validity of the amounts on the flyer, they can easily be substantiated during one short phone call with me.

By working with me, I will provide you with the services described on the purchase or refinance flyers.  Also, you will benefit from my flexible appointments, ongoing availability, and commitment to customer service and satisfaction.  My goal is to is to make your mortgage loan experience as pleasurable and stress free as possible, while working to answer your questions and make the loan process as smooth and simple as can be.

Typically, we can complete loans in less than 30 days.  The success in doing this is directly tied to our clients sending us requested documents in a timely manner.

Over the years, my clients have sent me testimonial letters about the services I provided to them. By clicking this link, you can review 19 of these letters which will give you a good idea about how satisfied my clients have been with my services.

With offices in Huntington Beach and Tiburon, DiVita Home Finance does business throughout all of California.  Please contact me today so I can help you make the most informed mortgage loan decision possible!