mortgage rates: How to Rock an FHA Home Loan!!! - 10/06/22 08:16 AM
How to Rock an FHA Home Loan!!!
  
Are FHA loans just for first time home buyers?  
 
Is an FHA mortgage the best choice if you have bad credit?
 
What if you have a low down payment, or even no down payment from your own savings?
 
If you're ready to quit renting right here and right now, let's learn how to rock an FHA home loan:
 
 
Watching the world wake up,
 
 
Rob Spinosa
SVP of Mortgage Lending
Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959 
rob.spinosa@rate.com
 
Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960 
*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved … (9 comments)

mortgage rates: Conforming a Little More Each Year - 12/18/19 06:46 AM
Conforming a Little More Each Year
 
If you know me, you know that I don't like to stick to convention.  I was the teenager who skipped college, moved to Hollywood and played rock guitar.  In my 20's, I saved up vacation time not for sandy white beaches but instead for expeditions to the harsh mountain environs of the world's highest peaks.  In my 30's, I dove (literally) into the sport of triathlon --- an endeavor, to quote my Aunt Marge, that would be something she'd "rather die a thousand deaths" before contemplating.  When I come to the fork in the road where straight and … (10 comments)

mortgage rates: Lock Watch for the Week of 5/07/2018 - 05/06/18 02:46 PM
Lock Watch for the Week of 5/07/2018
 
Volatility-O-Meter:
Inflation readings on Weds/Thurs plus auctions should keep the bond market active.
 
Economicalendar (all times are Pacific):
Mon, 5/7:       Quiet. 
Tues, 5/8:       JOLTS (7am) and 3-Yr Note Auction (10am).
Weds, 5/9:     PPI (5:30am) and 10-Yr Note Auction (10am)
Thurs, 5/10:    CPI and Jobless Claims (5:30am).  30-Yr Bond Auction (10am)
Fri, 5/11:        Import and Export Prices (5:30am) and Consumer Sentiment (7am).
 
10-Year Treasury History
2.95%     Today
2.95%     One Week Ago
2.89%     One Month Ago
2.39%     One Year Ago
 
Nazare', Portugal
I only tried to surf once and it was in the small fry off of Santa Monica.  But it doesn't take … (1 comments)

mortgage rates: How Bad Is It? - 11/19/16 12:40 AM
How Bad Is It?
 
As I type this blog post, it's raining outside, pouring actually.  And that's fitting because if you've been looking to get a mortgage since the presidential election, you've been facing your own personal deluge of sorts as well.  Interest rates are higher, no doubt about it, and the worst two week bond rout in the last 26 years has translated into approximately a half percent increase in rates to most programs.
 
So how bad is it?
 
There's a few ways to look at this, and the chart below shows that bond prices are approaching where they were exactly one year … (5 comments)

mortgage rates: 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)

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

mortgage rates: When It Comes to Rates, Borrowers Don't Know What They Don't Know - 09/16/12 12:41 AM
 
(14 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?



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