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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343
Toxic is Trending! A brief review at recent environmental headlines says it all: January 31, 2018:  President Mulling Major Cuts to Clean Energy Research (Washington Post)January 15, 2018:  EPA Loosens Regulations on Toxic Air Pollution (EPA)January 10, 2018:  Climate Change Websites Censored Und...
Lock Watch for the Week of 2/5/2018 The "Lock Watch" began, humbly enough, as an experiment to alert RPM Mortgage's Top 20 loan officers about economic events that could incite volatility in the mortgage market throughout any week.  We didn't want to get blindsided by a bond market sell-off or po...
Happenstance, History and Hamilton A while back, my little boy was attending a birthday celebration for one of his friends at a playground in the Hamilton neighborhood of Novato, CA.  Hamilton was a WWII-era Air Force base and you can still see the remnants of it in some of the Spanish Revival-es...
Never Mind the Tax Cuts and Jobs Act, Here's the Homebuyers Side One: Mortgage Interest Deduction:  Reduced from $1MM to $750K. Grandfather:  If you have a loan that was originated before 12/15/2017, and your mortgage balance exceeds $750K, you are still able to deduct the interest up to $1MM.  Y...
Once Bitcoin, Twice Shy:  Can You Buy a Home with Bitcoin? Let's talk about what this post will NOT cover:  How bitcoin works. Whether or not you should invest in bitcoin. Is bitcoin the modern day equivalent of tulip bulbs?  What will we cover?    Using bitcoin to buy real estate.  In other word...
1984 Look, I realize I should be so lucky to think that someone from the Van Halen camp is going to bust me on a copyright infringement for using the image above.  So if they come a calling, this is what I would tell them: It was 34 years ago today that Van Halen's 1984 "album" was released.  I w...
It's 2018.  Will I Lose My Tax Deduction if I Refi? If you're asking this question, I'm going to go out on a limb and say you're experiencing some anxiety right about now.  But no matter how bad it gets, realize things could always be worse.  You could be the Internal Revenue Service and tasked o...
Qi's Whiz Maybe you're like me and never fully appreciated the flow of energy in your workplace.   Maybe you innately seek out the perceptible over the metaphysical.  So by that logic you're not like the ancient Chinese who followed feng shui and understood that "Qi rides the wind and scatters, b...
Your DTI Is High and It Will Be Alright You might have been lured into reading this blog post under the false assumption that I'd be discussing the controversial subject of financing cannabis-related businesses and property.  Well, you can let that notion go up in smoke.  Instead, we're going to ...
The Older I Get The More I Conform If you know me, you know that I don't like to stick to convention.  I was the teenager who skipped college, moved to Hollywood and played rock guitar.  In my 20's, I saved up vacation time not for sandy white beaches but instead for expeditions to the harsh moun...

Rob Spinosa

Vice President of Mortgage Lending, Marin County
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