California Mortgage Blog

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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
RECENT BLOG POSTS
What Can I Do to Make My Home Appraise Higher? Whether the purchase or refinance of a home, where mortgage financing is involved, you can be sure an appraisal be required in the vast majority of cases. With very few exceptions, homeowners or homebuyers seek to obtain the highest and most accurate...
05/25/2017
Stretching Your Loan Qualification?  Which Mortgage Is Best? Buyers will come to us, often after beholding the perfect home while out touring with their Realtor, and they will want to know the maximum amount they can borrow on a mortgage.  Perhaps they just intuitively realize that their dream ho...
05/19/2017
The Silent Assassin - Unreimbursed (2106) Business Expenses Death and taxes, right?  Of these two certainties in life, let's leave our mortality out of the discussion for now.  That leaves us with taxes and unless you're the president, at some point you must come face to face with the reality of ...
05/12/2017
VA Jumbo:  The Mother of All Loans Say what you will about the current adminstriation's foreign policy (or any of its policies, for that matter), but the headline news about dropping some really big ordnance got me thinking about something else that can go really big in a veteran's favor --- VA j...
05/04/2017
California's Stunning Bridge (Loan) It is 2017's peak buying season in the San Francisco Bay Area and many buyers in this competitive, low-inventory market face a challenge greater than just the inability to find the right house.  For them, there's actually a more pressing dilemma.  Before they c...
04/26/2017
Consolidation Refinances Reign Supreme  "Someday I'd really like to see these loans together." No, that was never a hit song in the '60's but it is a situation that we encounter frequently in the world of loan origination.  It's a scenario that occurs where a homeowner has both a first and second...
04/21/2017
A Special Thank You to My Active Rain Friends "Rob, do you ever really get any business from all the time you spend writing?" We have all heard this type of question before, from colleagues, family and even detractors.  And we all have our unique way of answering it, I'm sure.  So I will say that...
04/19/2017
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It's (Not) Up to You How many of us have ever worked with a professional on a highly important matter where, regardless of the issue at hand, we reached that critical inflection point, the one where we needed help and answers the most?  What happened when the advisor in whom you put your trust lo...
04/16/2017
Your Mortgage on Steroids If you are self-employed and attempt to get a mortgage, you know it's tough to get a fair shake.  It seems like lenders never give the self employed the benefit of the doubt.  But what if you could have just ONE great year, instead of two, and then qualify for the loan y...
04/06/2017
Can You Add Remodeling Costs to a Mortgage? One home buyer niche I know extremely well is 10% down payment jumbo mortgage financing.  We have a good number of prospective homeowners in California, especially here in the San Francisco Bay Area, who earn strong income, who have an excellent credit ...
03/30/2017
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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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