housing: The ARCO Station Across Town Is Quoting .125% Less - 10/25/12 08:12 AM
 
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housing: A $S,000,bering Analysis of the US Budget - 12/15/11 11:15 AM
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housing: California Mortgage Rate Update: 10/24/11 - 10/24/11 02:15 PM
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housing: Weekend Availability + A Tip for Your Self-Employed Buyers - 10/07/11 04:18 PM
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housing: California Mortgage Rate Update: 10/03/11 - 10/03/11 06:27 PM
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housing: Weekend Availability + Figuring Out Payments in Your Head - 09/23/11 05:20 PM
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housing: California Mortgage Rate Update: 08/01/11 - 08/01/11 03:32 PM
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housing: California Mortgage Rate Update: 07/11/11 - 07/11/11 01:41 PM
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housing: California Mortgage Rate Update: 06/13/11 - 06/13/11 03:28 PM
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housing: California Down Payment Assistance - 06/07/11 02:03 PM
California Down Payment Assistance
RPM is pleased to announce its status as an approved lender for California's CHF down payment assistance program.  If you have any questions about this program, please contact me at 877-270-5959 or rspinosa@rpm-mtg.com.  Please note that this program is NOT limited to first-time homebuyers and can be used for both new and existing homes.  The down payment assistance comes in the form of a grant and low-to-moderate income levels are eligible.  The financing obtained will be a 30-year fixed loan (FHA or VA) and rates are extremely competitive.  For maximum financing and purchasing power, this is going to be a … (2 comments)

housing: The Dipsea Race, A Marin Institution - 06/05/11 11:52 PM
The Dipsea Race, A Marin Institution
"...your Dipsea begins in 5, 4, 3, 2, 1..."
Anyone who has found himself/herself in the start corral in Lytton Square, Mill Valley, on the second Sunday in June can tell you about the feelings that phrase evokes.  For me, having completed five Dipsea races, I can just sense my heart (and stomach) rising into my throat.  I know I'm soon in for an hour of adrenaline, pain, dread and finally, Stinson Beach in sight, relief.
One can read about the Dipsea course itself in a ton of places on the web.  The lore and history of its vicious 7.5 miles of stairs … (0 comments)

housing: Skinned in the Game: Washington's Wrong Plan to Right the Housing Market - 05/31/11 02:45 PM
Skinned in the Game:  Washington's Wrong Plan to Right the Housing Market
Would you please cover your left eye and read the letters on this chart?

Great.  Now that we have been able to indentify some of the legislative, regulatory and economic absurdities foisted upon the real estate and mortgage markets since 2007/2008, it's time to move on.  That's right.  No more crying over spilled milk.
What I want to talk about here is Washington's bent towards this concept of "skin in the game," the apparent panacea for housing's woes.
The theory goes like this:  Buyers who have a vested (onerous?) interest in the … (5 comments)

housing: Weekend Availability + $729,750 Swan Song? - 05/20/11 04:35 PM
California Real Estate Professionals,  I will be available this weekend to assist with your clients' pre-approvals, offer letters and home loan questions.  If I can be of service, feel free to reach me on my cell phone at 415-367-5959, or by e-mail at rspinosa@rpm-mtg.com.  Buyers can click HERE to complete a pre-approval application.The chart below talks about the conforming-jumbo loan limit change we will likely see in October.  While it is easy to resign in confusion/frustration over another of Washington's misguided attempts to "fix" our housing market, there is much work to be done for our buyers and sellers regarding this particular … (0 comments)

housing: California Mortgage Rate Update: 04/25/11 - 04/25/11 07:42 PM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call 877-270-5959 or e-mail rspinosa@rpm-mtg.com.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.750% APR:  4.774%   15-Year Fixed Rate:  4.000% APR:  4.034%   7/1 ARM Rate:  3.625% APR:  3.824% 5/1 ARM Rate:  3.250% APR:  3.460%   FHA 30-Year Fixed (96.5% Financing)   … (0 comments)

housing: Weekend Availability + Implications of a Government Shutdown - 04/08/11 09:48 PM
Real Estate Professionals,  While the Government may be shut down (see below), I will be available this weekend to assist with your clients' pre-approvals, offer letters and home loan questions.  If I can be of service, feel free to reach me on my cell phone at 415-367-5959, or by e-mail at rspinosa@rpm-mtg.com. Seriously, should we experience a shutdown of the Federal government, here are some of the implications to the real estate financing process.  If you have a transaction in process with another lender, be sure to get clarification on how your escrow could be impacted.  For RPM, we are issuing … (1 comments)

housing: Mortgage Rate Update: Week of March 21, 2011 - 03/21/11 04:33 PM

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Rob  Spinosa, Marin Mortgage Professional, Rob Spinosa (RPM Mortgage, Mill Valley, CA) Rainmaker_large

Rob Spinosa, Marin Mortgage Professional

Rob Spinosa

Mill Valley, CA

More about me…

RPM Mortgage, Mill Valley, CA

Address: 1058 Redwood Highway, Frontage Road, Mill Valley, CA, 94941

Office Phone: (415) 367-5959

Cell Phone: (415) 367-5959

Email Me

How to Refinance: Mortgage Subordinations

What Is a HARP Refinance?

Understanding California Real Estate Taxes

Can I Get a Cosigner on a Mortgage?



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