California Mortgage Blog

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Mortgage and Lending - RPM Mortgage, Marin County, CA - CA BRE: 01297944
RECENT BLOG POSTS
Four Ways to Buy a New Home Before Selling Your Current One We here in the San Francisco Bay Area --- and from what I'm gathering, in many other areas of the country as well --- have dealt firsthand with the virtual impossibility of the "contingent offer."  That is, when a buyer must sell his cur...
07/19/2017
Taking or Shoving a Job?  Call Me First The "me" in this title is figurative, of course, and the concept we're going to cover is broad in scope.  And no, I really don't want to hear about your new job and its benefits; the free hot yoga classes and unlimited fair trade organic tea and gluten-free...
07/13/2017
"So Rob, How Do You Get Paid?" Not all of my clients will come right out and ask this question.  But even where they don't ask I suspect that most of them think it.  Not only is it a fair question, it's a great one too.  One that I have no problem discussing and explaining.  Sure there are elemen...
07/07/2017
Unlocking the Rate Lock Mystery Everyone who has financed a home with a mortgage, either for a purchase or refinance, has probably struggled at some point during that transaction with the dilemma of locking or floating the interest rate.  This critical decision does one of two things:  Commits bo...
06/29/2017
80 10 10 Loan in California It has been said that the Golden Gate Bridge is one of the most photographed tourist attractions in the world.  But before you get out your selfie stick and entertain visions of relocating to California, especially to the San Francisco Bay Area, know that the median ho...
06/22/2017
Not Able to Refinance?  Recast Your Loan in a New Light Over the last decade there have been many opportunities for homeowners to refinance their mortgages to lower rates and, by far, that is the "go to" solution when a borrower is looking to lower his or her payments.  This makes perfect sense. ...
06/09/2017
Can I Consolidate My Student Loans with My Mortgage? Let's face it, buying a home is hard enough.  But if you've been able to do so while still holding some of the debt accumulated during your college and post-graduate years, your life is about to get a little easier. New cash-out refinance guide...
06/01/2017
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
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Rob Spinosa

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