financing: Weekend Availability + Good News for Cash Buyers - 07/22/11 07:31 AM
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financing: What Is an FHA Loan? - 07/12/11 11:00 AM
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financing: Weekend Availability + Better PMI Guidelines On the Way - 07/08/11 01:45 PM
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financing: California Mortgage Rate Update: 07/05/11 - 07/05/11 07:50 AM
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financing: California Mortgage Rate Update: 06/27/11 - 06/27/11 06:14 AM
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financing: Weekend Availability + New Jumbo Loan Programs - 06/24/11 08:19 AM
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financing: California Mortgage Rate Update: 06/20/11 - 06/20/11 06:16 AM
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financing: FHA Condo Project Approvals - 06/16/11 08:33 AM
FHA Condo Project Approvals
The short video below explains the process of getting a condominium project approved with the FHA, so that homebuyers (especially first-time homebuyers) may purchase condo units listed for sale. This video's target audience is HOA board of directors of any common interest development, or property management companies that oversee condominium projects.  However, we are all aware that often it is the real estate agents who are trying to list, or help a client buy, a condo unit who are uncovering the need for condominium project approvals.
 
 
For more information or to begin the condo approval process, get … (4 comments)

financing: California Mortgage Rate Update: 06/06/11 - 06/06/11 06:42 AM
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financing: Weekend Availability + Using Google Alerts - 06/03/11 07:12 AM
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financing: California Mortgage Rate Update: 05/23/11 - 05/23/11 05:14 AM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call 877-270-5959 or send an e-mail to rspinosa@rpm-mtg.com.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.500% APR:  4.524%   15-Year Fixed Rate:  3.750% APR:  3.784%   7/1 ARM Rate:  3.375% APR:  3.556% 5/1 ARM Rate:  3.000% APR:  3.269%   FHA 30-Year Fixed (96.5% Financing)   … (0 comments)

financing: Weekend Availability + $729,750 Swan Song? - 05/20/11 09:35 AM
California Real Estate Professionals,  I will be available this weekend to assist with your clients' pre-approvals, offer letters and home loan questions.  If I can be of service, feel free to reach me on my cell phone at 415-367-5959, or by e-mail at rspinosa@rpm-mtg.com.  Buyers can click HERE to complete a pre-approval application.The chart below talks about the conforming-jumbo loan limit change we will likely see in October.  While it is easy to resign in confusion/frustration over another of Washington's misguided attempts to "fix" our housing market, there is much work to be done for our buyers and sellers regarding this particular … (0 comments)

financing: California Mortgage Rate Update: 05/09/11 - 05/09/11 09:46 AM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call 877-270-5959 or send an e-mail to rspinosa@rpm-mtg.com.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.500% APR:  4.524%   15-Year Fixed Rate:  3.750% APR:  3.784%   7/1 ARM Rate:  3.500% APR:  3.699% 5/1 ARM Rate:  3.125% APR:  3.371%   FHA 30-Year Fixed (96.5% Financing)   … (0 comments)

financing: California Mortgage - 04/28/11 12:51 PM
California Mortgages
In this short video I discuss the benefits of working with me on your next purchase or refinance mortgage in California. With our current lending capacity, I can address nearly all residential home lending needs from first time homebuyers to real estate investors, and RPM's competitive rates and programs, great service and 7-days-a-week accessibility provide a smooth loan process and a close of escrow on time and without surprises.
Conforming and jumbo loans, fixed rate and ARM loans and FHA financing are available. I always offer a free consultation and a no-obligation mortgage pre-approval that can be done online and … (0 comments)

financing: Calling All California Realtors! What Do You Make of This? - 04/27/11 10:01 AM
California Realtors, What Do You Make of This?
Realtor.com just reported on the 11 cities in which homes sell the fastest.  Of the Top 11, CA cities claimed 7 of the spots and the edited list is below.  In your opinion, to what factors should we attribute this relatively quick turnaround?  Is it smart pricing at the outset? Reasonable and/or motivated sellers? Cash buyers?  Jumbo-conforming financing in line with median sales price?  Inventory?  Job economies?  Etc.?
I'd be really curious to get your thoughts from the front lines, so just reply below.
Nationally, the median for homes for days on the market was 160 … (2 comments)

financing: Home Finance Guide for the Week of April 25, 2011 - 04/25/11 12:37 PM
Home Finance Guide for the Week of March 28, 2011

The Mortgage Dictionary (http://www.themortgagedictionary.com) provides this week's home finance economic calendar of events that can move the mortgage market, plus opening rate sheet for the week. If you are in the home loan process, this information will guide you about events to track when determining whether to lock or float an interest rate. This week, we need to consider the following news and reports; new home sales, consumer confidence, durable goods orders, FOMC meeting and Ben Bernanke's press conference, advance GDP for Q1, jobless claims, pending home sales, personal income, … (0 comments)

financing: California Mortgage Rate Update: 04/11/11 - 04/11/11 06:14 AM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call 877-270-5959, or visit the RPM secure website.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.875% APR:  4.899%   15-Year Fixed Rate:  4.250% APR:  4.284%   7/1 ARM Rate:  4.125% APR:  4.361% 5/1 ARM Rate:  3.375% APR:  3.561%   FHA 30-Year Fixed … (0 comments)

financing: California Weekly Rate Update: 04/04/11 - 04/04/11 06:42 AM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call or reply to this message.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.750% APR:  4.774%   15-Year Fixed Rate:  4.125% APR:  4.159%   7/1 ARM Rate:  3.750% APR:  3.906% 5/1 ARM Rate:  3.375% APR:  3.561%   FHA 30-Year Fixed (96.5% Financing) … (0 comments)

financing: California Weekly Rate Update: 03/28/11 - 03/28/11 05:58 AM
Below are today's interest rates for RPM's loan programs.  For specific pricing on your scenario, and to get pre-approved without cost or obligation for any of these loan products below, simply call or reply to this message.  Access The Mortgage Dictionary on YouTube to view short videos that define and explain the most important terms and concepts in home financing.  All pricing below is at 0 points unless otherwise noted:   Conforming Loans (up to $417,000)   30-Year Fixed Rate:  4.875% APR:  4.899%   15-Year Fixed Rate:  4.125% APR:  4.159%   7/1 ARM Rate:  3.750% APR:  3.906% 5/1 ARM Rate:  3.250% APR:  3.442%   FHA 30-Year Fixed (96.5% Financing) … (0 comments)

financing: FHA Condominium Approvals in California - 03/24/11 02:57 PM
FHA Condominium Approvals in California
Real Estate Agents,
I am able to help with getting condominium complexes approved through the Department of Housing and Urban Development (HUD) so that FHA financing can be used to purchase individual units in a common interest development here in California.  At this time, I DO NOT CHARGE ANYTHING FOR THIS SERVICE.  As we all know, on many occasions we have a willing and able buyer and seller, but we find that we do not have an eligible property.  Unfortunately with condominiums this is not an uncommon outcome.
 There is a solution in some cases.  Does it … (0 comments)

 
Rob Spinosa, Mortgage Loan Originator, Marin County (US Bank)

Rob Spinosa

Mortgage Loan Originator, Marin County

Larkspur, CA

More about me…

US Bank

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

Office: (415) 367-5959

Mobile: (415) 367-5959

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