covid: Refinancing a Jumbo Mortgage After a COVID Forbearance - 08/09/21 07:56 AM
Refinancing a Jumbo Mortgage After a COVID Forbearance
  
Despite some recent setbacks that see COVID cases increasing, many of us are optimistic that vaccination rates will continue to go up and all of America will eventually commit to getting the worst of the virus behind us once and for all. There is no doubt that as we headed into the summer, we could feel the economy coming back on line and the country getting back to work. Sure the recovery has been uneven, but compared to the uniform bleakness of last summer, there could only be reason for hope this time around.
 
Not … (6 comments)

covid: The Seven Real Estate Stages of the Pandemic - 10/05/20 08:09 AM
The Seven Real Estate Stages of the Pandemic
  
By now, some of us have lost a loved one, friend or community member to COVID-19.  Though if the cavalier denialism exhibited by some Americans is an indicator, there are still many who have yet to share the magnitude of such a loss.  But even putting one's head in the sand about the medical realities of the coronavirus cannot spare us the social, emotional and economic impacts. 
 
It's accepted as true that though we all grieve a loss, everyone grieves in a unique manner.  One of the most referenced works on the topic was written in … (17 comments)

covid: Can I Refinance a Mortgage on a COVID Forbearance Plan? - 09/13/20 09:30 AM
Can I Refinance a Mortgage on a COVID Forbearance Plan?
  
Back at the end of the first quarter of 2020, the president might still have wanted to downplay COVID, but many real American homeowners suddenly found themselves in dire financial straits and quickly took advantage of the forbearance plans offered by the servicers of their mortgages.  This payment relief allowed them to navigate the most uncertain and immediate impacts of the pandemic and for some, provided a bridge to re-employment and/or firmer financial footing.  Now that some of these borrowers have made readjustments to the new normal, they may wish to take … (21 comments)

covid: Anyone Can Hold the Helm When the Sea is Calm - 07/25/20 03:30 PM
Anyone Can Hold the Helm When the Sea is Calm
  
If your business is anything like mine, COVID is presently dishing out challenge after challenge to the way you (used to) work.  If it hasn't already driven many nails into the coffin of the way things were, then I'm willing to bet you're within earshot of the hammer.  If you've had time to collect your thoughts and countenance reality, you may have even begun to think about how biz will look in 2021, 2022 or beyond.
 
Many of us, in real estate careers we have built over years or decades, have assumed a form … (19 comments)

covid: Expertise Unmasked - 07/11/20 09:09 AM
Expertise Unmasked
  
A couple of years ago, we found a home we really loved.  The market was competitive at the time, but we choked on the list price and thought about going in a bit under it.  Our Realtor, someone recommended to us, someone possessing a proven track record in the community and someone garnering much respect among fellow agents, highly advised against lowballing the offer.  Eventually, we bid a little over list and got the home.  One of the reasons the home was so desirable was the school district.  The teachers, overall, have a tremendous reputation and years of experience that just … (7 comments)

 
Rob Spinosa, SVP of Mortgage Lending, Marin County (Guaranteed Rate, Marin County, CA)

Rob Spinosa

SVP 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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