California Mortgage Blog

Follow me
Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
There's Never Just One Cockroach I mean you have to admit that as far as sayings go, the one in the subject line is just about perfect;  short, funny, edgy and all too close to home for any of us who have ever called home someplace a little less than luxe.  So it must be true that as we begin 201...
Sigmund Freud & Low Down Payment Jumbo Mortgages In psychology, projection is a form of defense in which unwanted feelings are displaced onto another person, where they then appear as a threat from the external world.  Now in a minute, I am going to ask you to relax and tell me a little bit about...
  If It Was Easy...   As 2016 drew to a close, two seemingly unrelated events came together for me in the form of an unexpected realization.  First, I did a careful review of my past year's production in order to measure progress, spot trends and recognize where improvement needs to be made.  Sec...
The Wisdom of the Mountains My wife and I recently went for a beautiful winter hike in Squaw Valley, CA, and I'm not quite sure if it was the quiet fresh snow, the freezing waterfalls in the canyon creek, or the granite cliffs framed by cerulean sky that brought to mind the many experiences I had...
'Tis the Season for Gifts (and Gift Funds) As we come to the end of the year, we, here in Marin County, CA, tend to notice that purchase and sale activity can slip into "holiday mode" even if the weather outside is not particularly frightening.  There's not much inventory available for buyers to ...
How Bad Is It? As I type this blog post, it's raining outside, pouring actually.  And that's fitting because if you've been looking to get a mortgage since the presidential election, you've been facing your own personal deluge of sorts as well.  Interest rates are higher, no doubt about it, and t...
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...

Rob Spinosa

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

Additional Information