larkspur: Lock Watch for the Week of 12/3/2018 - 12/02/18 08:00 AM
Lock Watch for the Week of 12/3/2018
As expected, the week is opening with an attempt to make sense of how the G20/China trade truce may play out.
Economicalendar (all times are Pacific):
Mon, 12/3:      PMI Mfg Index (6:45am), ISM Mfg Index and Construction Spending (7am).
Tues, 12/4:     Quiet.
Weds, 12/5:     Stock market closed.  ADP Employment (5:15am), Productivity and Costs (5:30am) and ISM Non-Mfg Index (7am).  Beige Book (11am).
Thurs, 12/6:    Jobless Claims and International Trade (5:30am), Factory Orders (7am).
Fri, 12/7:        Employment Situation (5:30am) and Consumer Sentiment (7am).
10-Year Treasury History
3.02%     Today's Open 
3.07%     One Week Ago
3.22%     One Month Ago
2.37%     One … (1 comments)

larkspur: When Special Assessments Lead to Special Occasions - 06/23/14 02:48 PM
When Special Assessments Lead to Special Occasions
"Well, what would you do in my situation?"
Don't we all get this question from time to time?  I know that for me, responding with first-hand experience imparts a validity that perhaps another California mortgage lender might not have.  So I am happy to share with clients and prospects what I know, when appropriate, not only as a home loan professional, but also as a property owner and president of two homeowners associations (HOA).
The first property I owned was a condominium unit at Larkspur Isle, in Larkspur, California.  A great little place on … (5 comments)

larkspur: 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,
Mortgage Pre-Approval:  Rob Spinosa, 415-367-5959,
*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)

larkspur: Honoring Those Who Serve(d) - 05/23/14 12:58 AM
Honoring Those Who Serve(d)
Like many of you, I'm sure, I lead a busy life and yet do my best to contribute to the community.  One of the ways I aim to be involved is by volunteering as treasurer of the Tamalpa Runners, the largest running club in Northern California.  This year, I also agreed to help out by taking on the role of course captain for the Marin Memorial Day Races, known locally as MMDR.  MMDR, has both 5K and 10K running races and attracts a large and talented field of runners.  It's a big undertaking for the club and it … (4 comments)

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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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