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

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low down payment: How to Rock a 10% Down Payment!!! - 07/14/22 12:17 PM

How to Rock a 10% Down Payment!!!

Why go home to your grungy apartment when you can buy your first home instead? Oh, what's that? Haven't saved the full 20% down payment? Live in a part of the country where home prices and loan sizes easily outpace the capacity of conforming, FHA and even VA loans?

Let's learn how to rock the best of the 10% down jumbo mortgage options, some without PMI, and jam on why with a changing real estate market, you may be in luck with half the down payment you thought it might otherwise take.
Jeremy's spoken,

Rob Spinosa
SVP of Mortgage … (3 comments)

low down payment: Finding Harmony in Unison - 03/15/17 09:42 PM

Finding Harmony in Unison

Ever since the woebegone days of Greenpoint Mortgage's 400+ page rate sheet (and those who remember are laughing right now...) we in the mortgage lending industry have become accustomed to recognizing that not every borrower and not every scenario will fit exactly in the credit box. That's just been a reality of the post-Dodd-Frank era. Lending solutions rarely "check all the boxes" and I hear myself reminding clients, not infrequently, to "not let the perfect be the enemy of the good."

So you can imagine that when we start talking about jumbo loans and lower down payments AND … (3 comments)

low down payment: If It Was Easy... - 01/04/17 05:44 AM

If It Was Easy...

As 2016 drew to a close, two seemingly unrelated events came together for me in the form of an unexpected realization. First, I did a careful review of my past year's production in order to measure progress, spot trends and recognize where improvement needs to be made. Second, I caught the broadcast of the Ironman Triathlon World Championship on TV.

So let's start with a little background on the more interesting of the two. Sometime back in the late '80's, I must have been watching TV with my dad on a lazy weekend afternoon … (19 comments)

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