California Mortgage Blog

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Mortgage and Lending - Guaranteed Rate, Marin County, CA - NMLS: 22343

ARCHIVED BLOG POSTS

2014 

New Rules Could Make Mortgages More Elusive for Some in Marin   I was quoted by writer Janis Mara, in our local newspaper, the Marin Independent Journal regarding the mortgage regulations that became effective January 10.  This article strikes a tone that I think is valid --- that is, the Qualif...
01/28/2014
You Can Pledge Allegiance But Can You Also Pledge Assets?   Just as we are all taught at a young age to stand, face the flag and recite the Pledge of Allegiance, so too are we indoctrinated very early on that if we wish to buy a home, it will most likely take a 20% down payment to do it.  But le...
01/27/2014
How to Survive an Appraisal That Comes in Low   I thought I would address a question that comes up either occasionally (or frequently, as the real estate market might dictate...):  "What happens if my appraisal comes in low?"  And so I'd like to cover the relationship between purchase price and ...
01/16/2014
Financing Multiple Properties     In the short video below, we're going to examine the mortgage options that exist when a buyer or owner is looking to buy or refinance multiple properties, specifically between five and ten financed properties.   The first thing we cover here are occupancy types,...
01/14/2014
How Much Would YOU Pay for Consumer Protection?   As we all know, this Friday, January 10, 2014, saw the implementation of many of the Dodd-Frank provisions that directly impact the mortgage industry.  As lenders, we are now held to making sure our originated loans meet the criteria in Dodd-Fran...
01/12/2014
Who Is a REX Participating Lender?   When the lights go down in the city, do you ever lose sleep over how you're ever going to possibly buy a home in the San Francisco bay area, or any other part of California?  Do you want to get back to your (imagined) city where a 20% down payment doesn’t eas...
01/08/2014
Rainmaker
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Rob Spinosa

Vice President of Mortgage Lending, Marin County
Can I Get a Jumbo Loan with 10% Down?
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