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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
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...
#featureforfrance  Let me start by saying that I realize that taking a real estate blog post and veering it down the slippery slope of geopolitics has its inherent dangers.  I'm a mortgage professional and I try to "stay in my lane," but in the wake of the violence in Paris on 11-13-15, I wanted ...
How Long Is My Pre-Approval Good For?  If you're like me, you probably find that there are some recurring instances in your day-to-day interactions that make you realize what is obvious to you may not be so obvious to those you serve.  A question I get frequently from those shopping for a home an...
Yesterday's News  Does your own profession require that you stay on top of current trends?  Is your skill set highly dependent on ever-changing data and fast-paced, underlying market dynamics?  Do you get the sense that the general public has only the faintest idea of the vastness and complexity ...

Rob Spinosa

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