We Shop 50+ Lenders for You
Divito Lending shops dozens of top lenders for you — with real human advisors who guide you every step of the way. No robots. No runaround.
Get Your Free Rate Quote
Getting a Mortgage Should Be Simple
We've removed the complexity. Our process is designed around your schedule, your needs, and your peace of mind.
Learn & Compare
Answer a few quick questions and we shop your loan across 50+ top lenders instantly. See real rates — no guesswork, no jargon.
Choose Your Loan
Your dedicated loan advisor walks you through your options in plain English. You decide — we never push or pressure.
Close with Confidence
We handle the paperwork, coordinate with your title company, and keep you updated at every step until you have your keys.
Every Loan Type, One Trusted Broker
Whether you're buying your first home or your fifteenth investment property, we have the right loan program for you.
Conventional Loans
Competitive rates for buyers with good credit. Down payments as low as 3% with no upfront mortgage insurance.
FHA Home Loans
As little as 3.5% down. Flexible credit requirements make FHA ideal for first-time buyers and those rebuilding credit.
VA Loans
Exclusive to veterans and active military. Zero down payment, no PMI, and competitive rates — a well-earned benefit.
Jumbo Loans
Financing for luxury and high-value properties that exceed conventional loan limits. Competitive rates for qualified buyers.
Refinancing
Reduce your monthly payment, lower your interest rate, or tap your equity. We find the best refi options across all lenders.
Commercial Loans
Acquisition, refinancing, or development of commercial properties. Flexible structures for investors and business owners.
Reverse Mortgages
Convert your home equity into tax-free income with no monthly payments required. Available to homeowners 62 and older.
Not Sure Which Loan?
Talk to one of our licensed advisors for free. We'll match you with the right loan program in minutes.
Get Matched Free →Estimate Your Monthly Payment
Adjust the inputs to see how your down payment, loan term, and rate affect your monthly cost.
We Work For You — Not the Banks
As an independent mortgage broker, our only job is to find you the right loan for your situation. We're not tied to any single lender.
We Shop 50+ Lenders
One application. Dozens of lenders competing for your business. You get competitive options without making dozens of calls yourself.
Real Humans, No Robots
No AI. No robocalls. No pressure. Your dedicated loan advisor is a licensed professional you can reach 7 days a week.
No Broker Fees
Our services are completely free to you. We're compensated by lenders — which means you get expert guidance at no cost.
Fast Pre-Approvals
Get pre-approved in as little as 24 hours. Our digital process makes it easy to submit documents and track your loan status online.
Licensed & Trusted
Divito Lending is a licensed Florida mortgage broker with 30+ years of experience helping families achieve homeownership.
Apply from Anywhere
Complete your entire mortgage application from your phone or computer. Upload documents, e-sign, and track progress online.
Every Loan Type, Explained in Detail
From conventional and FHA to VA, jumbo, reverse, and commercial — here’s the full lineup of mortgage products Divito Lending shops on your behalf.
Conventional Loans
Conventional loans are mortgages not backed by a government agency. They follow Fannie Mae and Freddie Mac guidelines and offer competitive rates for buyers with solid credit.
- ✓Down payments as low as 3%
- ✓No upfront mortgage insurance premium
- ✓PMI cancels automatically at 20% equity
- ✓Conforming loans up to $766,550 (2024 limit)
- ✓Fixed and adjustable-rate options
- ✓Available for primary, second, and investment homes
Typical Requirements
Best for buyers with 620+ credit and steady income looking for the most loan flexibility.
Typical Requirements
Best for first-time buyers and those with lower credit scores or limited savings for a down payment.
FHA Home Loans
FHA loans are backed by the Federal Housing Administration and designed for low-to-moderate income borrowers. They offer more flexible credit requirements than conventional loans.
- ✓Only 3.5% down with 580+ credit score
- ✓Down payment can come from gifts or grants
- ✓More flexible debt-to-income requirements
- ✓Can use with closing cost assistance programs
- ✓Streamline refinance option available
VA Loans
VA loans are guaranteed by the U.S. Department of Veterans Affairs and available to active-duty military, veterans, and eligible surviving spouses. They offer unmatched benefits — including zero down payment.
- ✓$0 down payment required
- ✓No private mortgage insurance (PMI)
- ✓Competitive interest rates
- ✓Flexible credit requirements
- ✓VA IRRRL refinance option for lower rates
- ✓No prepayment penalties
Who Qualifies for a VA Loan?
- ✓Active duty service members (90+ days)
- ✓Veterans with honorable discharge
- ✓National Guard / Reserve members (6+ years)
- ✓Eligible surviving spouses
A Certificate of Eligibility (COE) is required. We can help you obtain yours.
Typical Requirements
Jumbo Loans
Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They're the right choice for high-value properties, luxury homes, and buyers who need more than $766,550 in financing.
- ✓Financing up to $3,000,000
- ✓Fixed and adjustable-rate options
- ✓Primary residences, second homes, and investment properties
- ✓Competitive rates for qualified borrowers
Reverse Mortgages
A reverse mortgage lets homeowners 62+ convert their home equity into tax-free income — with no monthly mortgage payments required. You stay in your home and retain ownership.
- ✓No monthly mortgage payments
- ✓Funds available as lump sum, monthly payments, or line of credit
- ✓Tax-free proceeds (consult your tax advisor)
- ✓You remain on title — it's still your home
- ✓FHA-insured HECM options available
Reverse Mortgage Requirements
Commercial Loans
Commercial loans are secured by commercial real estate — office buildings, retail, multifamily, industrial, and more. Whether you're acquiring, refinancing, or developing, we have the right financing structure.
Property Acquisition
Finance the purchase of office, retail, industrial, or mixed-use commercial properties.
Refinancing
Lower your rate, reduce payments, or pull equity from existing commercial real estate.
Construction & Development
Ground-up construction financing for new commercial developments and redevelopment projects.
Multifamily
5+ unit apartment buildings, small multifamily, and large apartment complex financing.
What Our Clients Say
"Awesome service! Great communication, easy to navigate, even better pricing. Divito Lending found me a rate lower than what my own bank offered. Couldn't be happier."
"The process was so much easier than I expected. My advisor walked me through every step. We closed in under 30 days and I got a rate I didn't think was possible."
"As a veteran, I'd heard VA loans were complicated. Divito Lending made the whole process simple. Zero down, great rate, and they handled everything. Highly recommend."
Every Service You Need Under One Roof
From mortgage to insurance to closing — the Divito family of companies has you covered from start to finish.
Common Mortgage Questions
It depends on the loan type. Conventional loans typically require a 620+ score. FHA loans can go as low as 580 with 3.5% down, or 500 with 10% down. VA loans have no minimum, though most lenders prefer 620+. Our advisors can help find the best option for your credit profile.
Down payment requirements vary by loan type: Conventional loans start at 3%, FHA at 3.5%, and VA loans require 0% down. The higher your down payment, the lower your monthly payment and interest costs. We'll help you determine what makes the most sense for your financial situation.
Most loans close in 21–45 days from application. The timeline depends on your loan type, how quickly you submit documentation, the property appraisal, and the lender's processing time. We work to keep things moving and communicate with all parties to hit your target closing date.
Pre-qualification is a quick estimate based on self-reported information — it gives you a general idea of what you can borrow. Pre-approval is a more thorough process where we verify your income, assets, and credit, resulting in a conditional commitment letter that sellers and agents take seriously.
No. Our mortgage brokerage services are completely free to borrowers. We are compensated by the lender when your loan closes. This means you get expert advice, lender comparison, and personalized service at absolutely no cost to you.
Yes. Self-employed borrowers typically need 2 years of tax returns, profit & loss statements, and business bank statements. Some lenders offer bank statement loans that use 12–24 months of deposits instead of tax returns. We have access to lenders specializing in self-employed borrowers.
Your Next Mortgage Is One Click Away
Apply online in minutes. Our licensed advisors will reach out same day to guide you through the process — at no cost to you.