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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
RECENT BLOG POSTS
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...
04/07/2016
 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...
03/20/2016
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...
02/06/2016
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...
01/09/2016
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...
12/20/2015
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...
12/12/2015
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 issued...you may be a TRIDneck.If you caught your escrow officer hitting a bottle of Jack Daniels before your signing...you may be a TRIDneck.If you refu...
11/24/2015
1 Comments
#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 ...
11/15/2015
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...
11/08/2015
8 Comments
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 ...
08/28/2015
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Rob Spinosa

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