home: What Can I Do to Make My Home Appraise Higher? - 05/24/17 06:06 AM
What Can I Do to Make My Home Appraise Higher?
 
Whether the purchase or refinance of a home, where mortgage financing is involved, you can be sure an appraisal be required in the vast majority of cases. With very few exceptions, homeowners or homebuyers seek to obtain the highest and most accurate appraised value of the property. So what steps can one take to assure that this value comes in? Here are a few tips from the experts:
 
Choose your lender very wisely. Why? Because since the implementation of the Home Valuation Code of Conduct (HVCC) in 2009, most of the mortgage industry … (36 comments)

home: Buying First Class - 07/10/15 02:31 PM
Buying First Class
 
I’ve flown with some great real estate agents in my 15-year career, but certainly one who deserves a primo seat at the front of the plane has got to be Westlake Village, CA, agent Teri Pacitto of RE/MAX Olson and Associates.   Teri and I have completed a good number of transactions since our inauspicious start in
early 2013, but whether she’s represented a buyer or seller, I’ve observed a few things that make Teri stand at cruising altitude above most of her peers.  I would even say these attributes go so far as to slip the surly bonds of … (9 comments)

home: How Will 2014 Go Down in YOUR Books? - 12/30/14 11:10 PM
How Will 2014 Go Down in YOUR Books?
 
When we come to the end of any calendar year, isn't it amazing to look back over the last 12 months and realize just how much has transpired?  Sometimes, events that occurred in, say, March, feel like they happened a lifetime ago.  Could it really be that it was this year?  Yes, time flies.
 
And, of course, the resolution season is upon us.  What changes might we affect in 2015 by way of reinvigorated will?  A blank page opens before us each January 1, but will we have the resolve to write a new … (4 comments)

home: How Much Down Payment Do I Need to Buy a Home? - 11/21/14 10:43 PM
How Much Down Payment Do I Need to Buy a Home?
 
As kids, there are just some things we all learn while we’re growing up:
 
Never drink soda after you eat Pop Rocks. Cracking your knuckles will give you arthritis. You’ll catch a cold if you go outside without a jacket. It takes a 20% down payment in order to buy your first home.  
After having both a good laugh and some time to gain a little experience, we come to find out that things are not always as we believed when we were much younger.  However, in … (5 comments)

home: 998 Edgewood Ave., Mill Valley, CA, 94941 w/ REX 12.5% Down Payment - 07/30/14 03:07 PM
998 Edgewood Ave., Mill Valley, CA, 94941 w/ REX 12.5% Down Payment Option
 
Using RPM Mortgage and REX Homebuyer, this home can be financed today as:
 
Purchase Price:  $1,949,000
REX Down Payment:  $243,625
Your Down Payment:  $243,625
Monthly P&I Payment:  $6362
 

 
Here are the terms for the scenario above:
 
Loan Amount:  $1,461,750
Loan Program:  7/1 ARM*
Interest Rate / APR:  3.250% / 3.145%
 
How can we help?
 
Property Info:  Sherrie Faber, 415-339-9200, sherrie@firstcaliforniarealty.com
Mortgage Pre-Approval:  Rob Spinosa, 415-367-5959, rspinosa@rpm-mtg.com
 
*Rates will only apply for the initial period.  The initial period for this program above is seven years.  The payment … (2 comments)

home: 135 Marina Blvd., San Rafael, CA, 94901 Mortgage Options - 06/12/14 08:31 AM
135 Marina Blvd., San Rafael, CA, 94901 Mortgage Options
 
Using RPM Mortgage and REX Homebuyer, this home can be financed today as:
 
Purchase Price:  $1,499,000
REX Down Payment:  $149,900
Your Down Payment:  $149,900
Monthly P&I Payment:  $5219
 

 
Here are the terms for the scenario above:
 
Loan Amount:  $1,199,200
Loan Program:  7/1 ARM*
Interest Rate / APR:  3.250% / 3.154%
 
How can we help?
 
Property Info:  Robert Beadle, 415-464-3340, rhbeadle@coldwellbanker.com
Mortgage Pre-Approval:  Rob Spinosa, 415-367-5959, rspinosa@rpm-mtg.com
 
*Rates will only apply for the initial period.  The initial period for this program above is seven years.  The payment on a 7/1 ARM … (2 comments)

home: 22 Frances Ave., Larkspur, CA, 94939 Mortgage Options - 06/12/14 07:55 AM
22 Frances Ave., Larkspur, CA, 94939 Mortgage Options
 
Using RPM Mortgage and REX Homebuyer, this home can be financed today as:
 
Purchase Price:  $1,499,000
REX Down Payment:  $149,900
Your Down Payment:  $149,900
Monthly P&I Payment:  $5219
 

 
Here are the terms for the scenario above:
 
Loan Amount:  $1,199,200
Loan Program:  7/1 ARM*
Interest Rate / APR:  3.250% / 3.154%
 
How can we help?
 
Property Info:  Yoko Kasai, 415-847-6519, yoko@frontporchrealtygroup.com
Mortgage Pre-Approval:  Rob Spinosa, 415-367-5959, rspinosa@rpm-mtg.com
 
*Rates will only apply for the initial period.  The initial period for this program above is seven years.  The payment on a 7/1 ARM adjusts … (1 comments)

home: Weekend Availability + All Cash is Super (Jumbo)! - 03/30/12 06:48 AM
 
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home: California Mortgage Rate Update: 02/27/12 - 02/27/12 01:35 AM
 
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home: 226 Amicita Ave., Mill Valley, California - 02/18/12 01:12 PM
 
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home: 3 Lillian Lane, San Rafael, California - 01/20/12 03:24 PM
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home: 82 Cross Creek Place, Larkspur, California - 01/14/12 02:44 PM
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home: Recommended General Contractor in Marin County - 06/14/11 12:47 PM
Recommended General Contractor in Marin CountyWhen it comes to the general contracting on a custom home in Marin County, California, or perhaps something less ambitious like a kitchen or bathroom remodel, there is a company that always comes to mind and that I never hesitate to recommend:  Diego Brothers, Inc.  Jack and Jim Diego have been building homes in Marin for decades.  They grew up in the community.  They know everyone and everyone knows them.  And those who do know them appreciate their integrity and professionalism, as well as the legacy of their work.One of my good friends owns a custom … (0 comments)

 
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

Email Me

REX Homebuyer Participating Lender 80-10-10 Loans What Happens if My Appraisal Comes in Low? Can I Get a Cosigner on a Mortgage?


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