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



Top 10 Tips for Buying a Home in the San Francisco Bay Area Buying a home in the highly competitive San Francisco Bay Area real estate market is a daunting task for nearly everyone. Tales of heartache abound --- “everything goes for over asking price,” “we don’t stand a chance against all-cash of...
What is APR on a Mortgage? "Can you tell me what your APR is?""Sure.  Can you tell me what APR is?""Uhhhh..."So this really happened.  Many times, in fact.  This is your garden variety, otherwise-intelligent consumer trying to shop for a mortgage.  This is someone earnestly trying to figure out t...
Closing Costs on a Mortgage When a homebuyer, or homeowner looking to refinance, obtains a mortgage, there are always associated costs.  Even in the so-called "no cost" loan structures, trust me, you're paying something.  When a consumer does the research on what it will cost to get a loan, there...
Investment Property Jumbo Mortgage with Low Down Payment Since I'm in California, and property values where I live and work tend to be on the, shall we say, higher side, residential real estate investors --- those looking to purchase a home of 1- to 4-units to be used as an income-producing prope...
Should I Get a HELOC? Thankfully, many of our clients are happy with their mortgages.  The interest rate, the terms, the peace of mind --- all are satisfactory and there's no motivation to change or refinance.  But what happens if there's a need to use the equity in the home to finance a remodeli...

Rob Spinosa

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

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