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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
One (Unit) is the Loneliest Number Have you noticed the convenient trend of pegging the millennial generation as either permanent couch surfers or hoodie-wearing, 20-something millionaires?  Well, which is it?  Are they going to be forever confined in impecunity to their parents’ basements or are...
Work Visa.  Go Buy a Home With It. One of the many benefits of living and working in California’s San Francisco Bay Area (which includes the nine counties of San Francisco, Marin, Sonoma, Napa, Alameda, Contra Costa, San Mateo, Santa Clara and Solano) is that we have a very vibrant employment env...
No-Cost Refinances.  Too Good to Be True? With all the talk of Brexit pushing mortgage rates to all-time lows, perhaps you’ve been thinking of refinancing and maybe even done a bit of research on the topic.  It’s likely you’ve come across the term “no cost refinance,“ and you may be saying to you...
The Odd Couple?  Mortgage Rates & Election Years “Politicians and diapers must be changed often, and for the same reason.” ~Mark Twain There is no escaping it; debates, primaries and non-stop political rhetoric across all media channels. It’s 2016 and it’s an election year. While it may be possib...
 Non-Warrantable Condo Financing The caps of our graduating class had barely wafted to the floor of the high school gymnasium when I packed up the old family car with my guitars, amps and all the naiveté a Midwestern teenager could muster and headed west to the glam metal capital of the world, Ho...
Investment Property Loans Hit the Big Time It's been a good half dozen years since the credit crisis dealt a sledgehammer blow to the jumbo mortgage market.  Now I know the Bernie 2016 crowd is going to have to choke on the perverse irony that since, over-regulation of the mortgage industry has a...
Rent Back to Where You Once Belonged!  The last several years have witnessed “sellers’ markets” in many areas. For the uninitiated, this means that as a home buyer, it has been of utmost importance to present a strong offer to any seller in the hopes that it may be accepted over others that perha...
Crystal Ball: The Next 10 Years in the Mortgage Industry  Back in September, the editor of the mortgage industry's "The M Report" publication asked RPM's marketing director if any of our company's loan advisors might want to take a shot at looking 10 years down the road and charting the course fo...
Jumbo Mortgages with 10% Down (80-10-10)  In just a few days and post the mad scramble of the holidays, it will be a New Year.  Yet here in the San Francisco Bay Area, even in late 2015, I encounter real estate professionals who, calling to vet a pre-approval letter I've written for a buyer, will...
You May Be a TRIDneck...  If you're sleeping on a couch on the front lawn of your stepsister's trailer because you're waiting for your CD to be may be a TRIDneck.If you caught your escrow officer hitting a bottle of Jack Daniels before your may be a TRIDneck.If you refu...

Rob Spinosa

Executive Loan Advisor, Marin Mortgage Broker
Can I Get a Jumbo Loan with 10% Down?
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