conventional: It's 2018. Will I Lose My Tax Deduction if I Refi? - 12/31/17 07:02 AM
It's 2018.  Will I Lose My Tax Deduction if I Refi?
If you're asking this question, I'm going to go out on a limb and say you're experiencing some anxiety right about now.  But no matter how bad it gets, realize things could always be worse.  You could be the Internal Revenue Service and tasked on a couple weeks' notice with retooling your shop to both comprehend and implement the Tax Cuts and Jobs Act.  So whether you're a homeowner, a CPA, a Californian, an IRS employee or a blue state Democrat, let's wash down a couple of Xanax with a strong martini … (21 comments)

conventional: How to Not Get Burned When Financing a Flip - 02/20/17 10:03 AM
How to Not Get Burned When Financing a Flip
"If you can't stand the heat, get out of the kitchen."  Well, when buying a home, sometimes the heat permeates not only the kitchen but the entire joint because the home is considered a "flip."  You mean like the proverbial burger flip?  No, I'm talking about a flipped property.
A flip is a home that was recently sold to the current owner and quickly put back on the market.  Just how short a span of ownership can be a matter of debate but we're going to limit the scope of our discussion to a time period of less than six … (3 comments)

conventional: Foreclosure to the Edge - 01/21/17 08:44 AM
Foreclosure to the Edge
Years ago, I felt the call of the mountains and dabbled in high altitude mountaineering.  Man, I just loved the adversity of it all and the higher the peak and taller the challenge, the more I seemed to feel a sense of freedom and accomplishment upon having the experience.  Once down from a summit, I would soon contemplate my next big adventure and often found myself referring to the French alpine rating scale to see what might be within the realm of possibility.  Of course, in the language of love, even the deadliest of ascents had a nice ring … (4 comments)

conventional: There's Never Just One Cockroach - 01/17/17 07:28 AM
There's Never Just One Cockroach
I mean you have to admit that as far as sayings go, the one in the subject line is just about perfect;  short, funny, edgy and all too close to home for any of us who have ever called home someplace a little less than luxe.  So it must be true that as we begin 2017, for every call I field where a prospective home buyer will say, "Well, I had a short sale a few years ago..." there are probably a hidden, greater number of those who, for whatever reason, just don't call.  And by all means, … (23 comments)

conventional: One (Unit) is the Loneliest Number - 09/18/16 07:41 AM
One (Unit) is the Loneliest Number
Have you noticed the convenient trend of pegging the millennial generation as either permanent couch surfers or hoodie-wearing, 20-something millionaires?  Well, which is it?  Are they going to be forever confined in impecunity to their parents’ basements or are they going to snap up that funky, San Francisco Victorian for $3+ mill with their stock payout, wall it off and inspire the envy of "The Social Network" himself? 
The answer is, “I have no idea.”  But a pattern I do see emerging is one where the economically viable
younger set, especially here in the San Francisco Bay … (2 comments)

conventional: Waiting Periods for New Mortgage after BK, Foreclosure and Short Sales - 03/17/11 07:22 AM


Rob Spinosa, Vice President of Mortgage Lending, Marin County (Guaranteed Rate, Marin County, CA) Rainmaker large

Rob Spinosa

Vice President of Mortgage Lending, Marin County

San Anselmo, CA

More about me…

Guaranteed Rate, Marin County, CA

Address: 324 Sir Francis Drake Blvd., San Anselmo, CA, 94960

Office: (415) 367-5959

Mobile: (415) 367-5959

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