California Mortgage Blog

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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
RECENT BLOG POSTS
Finding Harmony in Unison Ever since the woebegone days of Greenpoint Mortgage's 400+ page rate sheet (and those who remember are laughing right now...) we in the mortgage lending industry have become accustomed to recognizing that not every borrower and not every scenario will fit exactly in the...
03/22/2017
Imagine All the Savings In my life, I've originated a good number of 30-year fixed rate loans.  And to this day, "a 30" remains the most popular of all loans.  I would contend that it holds, and will continue to hold, this position not because most borrowers do a careful analysis of this mortgage...
03/10/2017
5% Down Jumbo:  Good Things Come to Those Who Hustle "Things may come to those who wait, but only the things left by those who hustle." ~Abraham Lincoln Here in California, and especially the San Francisco Bay Area, we have proudly earned a strong reputation for being able to deliver jumbo mortga...
03/03/2017
How to Not Get Burned When Financing a Flip "If you can't stand the heat, get out of the kitchen."  Well, when buying a home, sometimes the heat permeates not only the kitchen but the entire joint because the home is considered a "flip."  You mean like the proverbial burger flip?  No, I'm talking...
02/24/2017
Not Your Grandfather's Stated Income Loan Stated income.  No other phrase in the realm of home lending evokes as many good and bad memories, does it?  For some --- mostly loan originators who wore an ethical stripe of a different color --- the days of the liar loans are fondly remembered as "the ...
02/17/2017
 This Must Be Just Like Lending in Paradise My name is Rob Spinosa.  I'm a workaholic.  And despite the growing body of scientific evidence that is building behind the necessity of vacations, I still do not get away from the office nearly enough.  Some of our clients, on the other hand, have this...
02/09/2017
Breaking Up (Is Subject to Guidelines and Restrictions) When we look at our refinance business, not a small percentage of it is driven by the scenarios where one spouse buys out the equity of the other, as stipulated in a divorce decree.  Sometimes when we are presented with a divorce buyout refi...
02/02/2017
Foreclosure to the Edge Years ago, I felt the call of the mountains and dabbled in high altitude mountaineering.  Man, I just loved the adversity of it all and the higher the peak and taller the challenge, the more I seemed to feel a sense of freedom and accomplishment upon having the experience....
01/25/2017
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...
01/18/2017
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...
01/12/2017
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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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