fed: 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)

fed: Lock Watch for the Week of 11/5/2018 - 11/04/18 07:04 PM
Lock Watch for the Week of 11/5/2018
 
Volatility-O-Meter:
I expect the markets to flirt with the reality of higher rates again this week, amid a backdrop of auctions and Tuesday's mid-term elections.
 
Economicalendar (all times are Pacific):
Mon, 11/5:      ISM Non-Mfg Index (7am), 3-Yr Note Auction (10am).
Tues, 11/6:      JOLTS (7am), 10-Yr Note Auction (10am).
Weds, 11/7:     30-Yr Bond Auction (10am).
Thurs, 11/8:    Jobless Claims (5:30am) and FOMC Meeting Announcement (11am).
Fri, 11/9:        PPI (5:30am).
 
10-Year Treasury History
3.19%     Today's Open
3.09%     One Week Ago
3.23%     One Month Ago
2.32%     One Year Ago
 
Lincoln's Second Inaugural Address
 
Fellow-Countrymen:
 
At this second appearing to take the oath … (0 comments)

fed: Lock Watch for the Week of 7/23/2018 - 07/22/18 12:55 PM
Lock Watch for the Week of 7/23/2018
 
Volatility-O-Meter:
GDP at the end of the week and auctions in the middle, but let's not discount the significance of what happened with comments from the President regarding the Fed.  Bloomberg chimes in on it HERE.  Could this be our next real rate driver?
 
Economicalendar (all times are Pacific):
Mon, 7/23:       Existing Home Sales (7am). 
Tues, 7/24:       PMI Composite Flash (6:45am) and 2-Year Note auction (10am).   
Weds, 7/25:     New Home Sales (7am) and 5-Year Note auction (10am).   
Thurs, 7/26:    Durable Goods, International Trade in Goods and Jobless Claims (5:30am) and 7-Year Note auction (10am).   
Fri, … (0 comments)

fed: When It Comes to Rates, Borrowers Don't Know What They Don't Know - 09/16/12 12:41 AM
 
(14 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

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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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