history: Happenstance, History and Hamilton - 01/28/18 02:05 PM
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-esque buildings --- a few of which are now in a serious state of disrepair.  Since I had a fairly low tolerance for Frozen and face painting that day, I decided to cut out of the party for a bit and take a short walk.  Ultimately, I found myself peering into the … (6 comments)

history: The Odd Couple? Mortgage Rates & Election Years - 04/07/16 02:59 AM
The Odd Couple?  Mortgage Rates & Election Years
 
“Politicians and diapers must be changed often, and for the same reason.” ~Mark Twain
 
There is no escaping it; debates, primaries and non-stop political rhetoric across all media channels. It’s 2016 and it’s an election year. While it may be possible to find precise and scientific analysis on interest rate trends during the months before and after we elect a new President, it’s important to keep things in perspective if you find yourself wondering where mortgage rates could go this year, and whether or not ballot box results should be taken into consideration when buying … (18 comments)

history: Your Credit May Be Good, But Is It Jumbo Good? - 06/15/14 02:15 PM
Your Credit May Be Good, But Is It Jumbo Good?
 
"I have an 800 FICO so I know I'll qualify."
 
We, here at Guaranteed Rate, pride ourselves on being a great jumbo lender.  Because of our geography and clientele in the San Francisco Bay Area, we encounter a lot of higher loan amounts.  Our pricing is very competitive and we have 10+ investors who can cover the needs of just about every jumbo loan scenario that can realistically be done these days.  Moreover, we retain control of the underwriting of the vast majority of them, so we can exercise "make sense" judgment and get … (18 comments)

history: "Will Running My Credit Lower My Score?" - 07/06/13 12:52 AM
 
(39 comments)

history: One Year Forward, Forty Years Back - 01/02/13 01:29 PM
 
(5 comments)

 
Rob Spinosa, Mortgage Loan Originator, Marin County (US Bank)

Rob Spinosa

Mortgage Loan Originator, Marin County

Larkspur, CA

More about me…

US Bank

Address: 324 Sir Francis Drake Blvd., San Anselmo, CA, 94960

Office: (415) 367-5959

Mobile: (415) 367-5959

REX Homebuyer Participating Lender

80-10-10 Loans

What Happens if My Appraisal Comes in Low?

Can I Get a Cosigner on a Mortgage?



Listings

Links

Archives

RSS 2.0 Feed for this blog