Real estate blog entries tagged with lien by Rob Spinosa, Mortgage Loan Originator, Marin County (US Bank)

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lien: I'm from the IRS and I'm Here to Help... - 07/06/18 12:25 PM

I'm from the IRS and I'm Here to Help...

Yes, that's right. The Internal Revenue Service wants to ride in like a knight in shining armor and help some of you close your home loans. Will you be the lucky beneficiary? Let's take a look at what, on the surface, seems to be "mission impossible." The IRS is only there to impede, to take from us and to delay, right? Not always.

From time to time, there are situations where a borrower is in the mortgage process and has both the down payment requirement and a Federal tax obligation. And, as you might … (22 comments)

lien: Caution: Collateral Crossing - 08/01/17 06:36 AM

Caution: Collateral Crossing

A while back, and in this post here, I talked about the four distinct ways that a homebuyer could purchase a new home without first selling his existing one. And of the options, perhaps the least understood and most complex is the cross-collateralization program. This is a type of financing where more than one piece of property serves as the real estate security for the loan and usually it implies that the existing home and the new home will BOTH make up the collateral value by which the loan-to-value (LTV) will be determined. I thought I would provide a real … (5 comments)

lien: How to Refinance: Mortgage Subordinations (A Video Primer) - 12/19/11 07:34 AM

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