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Weekend Availability + Understanding Mortgage Closing Costs

By Rob Spinosa

Mortgage and Lending with US Bank NMLS: 22343

June 10, 2011 06:31 AM

Real Estate Professionals,

I will be available this weekend (other than on Sunday morning when I'll be running the 101st Dipsea) 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. The short video below explains to your buyers in clear and simple terms the best ways to understand the costs and fees associated with a mortgage transaction.

Have a great weekend!

Rob Spinosa, RPM Mortgage 877.270.5959 rspinosa@rpm-mtg.com

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Endre Barath, Jr.

Berkshire Hathaway HomeServices California Properties - Beverly Hills, CA

Realtor - Los Angeles Home Sales 310.486.1002

Rob what a great video explanation of the Mortgage Closing Costs. I agree with you the Prepaid throw every one off especially if your closing is in July when you collect a lot of Taxes in advance:)

Jun 10, 2011 01:26 PM

Rob Spinosa

US Bank - Larkspur, CA

Mortgage Loan Originator, Marin County

Thanks, Endre. And it's funny because so many people, even those who have been paying a mortgage for years, do not know that mortgage interest is collected in arrears. They wonder why you're collecting 15 days of interest up front, for example. Many loan officers are fast to say that they're then "skipping" a payment but I've always hated that phrase. There is no skipping going on at all. There is a logic to it which, once understood, gives more peace of mind than the notion that somehow a refinance mysteriously made a payment go away.

Have a great week!

Jun 12, 2011 01:53 PM

Weekend Availability + Understanding Mortgage Closing Costs

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