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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
RECENT BLOG POSTS
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
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#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
Back to the Future - Prepaid Interest Explained It doesn't take a time traveler to appreciate the fact some folks are just inherently going to have a problem with paying today for something that won't come due until tomorrow.  Especially when that something is perhaps ill-explained and/or part of...
08/07/2015
To Airbnb Or Not To Airbnb... ...is anybody even asking the question?  Shall we then conjure The Bard to determine not whether renting out some or all of your home(s) through Airbnb or VRBO is a good idea itself, but once done is done, to know how thee mortgage lenders may view thine income?  Whi...
07/31/2015
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Rob Spinosa

Executive Loan Advisor, Marin Mortgage Broker

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