mortgage: Weekend Availability + How Soon Before They Can Buy Again?
- 05/29/11 08:30 AM
Rob Spinosa, RPM Mortgage 877.270.5959 rspinosa@rpm-mtg.com
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mortgage: This Memorial Day, We Shall Keep the Faith
- 05/29/11 04:33 AM
"We Shall Keep The Faith"
Oh! You who sleep in Flanders' fields,Sleep sweet - to rise anew;We caught the torch you threw;And holding high we keptThe faith with those who died.We cherish, too, the Poppy redThat grows on fields where valour led.It seems to signal to the skiesThat blood of heroes never dies,But lends a lustre to the redOf the flower that blooms above the deadIn Flanders' Fields.And now the torch and poppy redWear in honour of our deadFear not that ye have died for naughtWe've learned the lesson that ye taughtIn Flanders' Fields.
~Moira Bell Michael
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mortgage: First Class Architecture in Marin County, CA
- 05/28/11 08:00 AM
First Class Architecture in Marin County, CA
For the last couple of years I have had the distinct pleasure to know, and work with, architect Dean Jones out of Tiburon, CA. I believe it is always worth pointing out great service, and in this case, I have both witnessed and experienced this service standard and the superior craftsmanship of his work.
If you are currently seeking an architect in Marin County, CA, or perhaps in other locations in the US and/or Mexico and Canada, Dean is a great person to contact and know. In addition to being an artist and professional … (1 comments)
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mortgage: Short Sales, Bankruptcy, Foreclosures and Re-Qualifying for a Home Loan
- 05/27/11 09:17 AM
"How Long Must I Wait After a Bankruptcy, Foreclosure or Short Sale?"
A better question for all of us in Real Estate might be, "How many times have we heard this question in the recent past?"
They say in marketing circles that if your customers ask you the same question three times or more you should do something about it. So I did. This video (1:48 in length) covers the important basics about the waiting periods that are required before which a buyer who has experienced a bankruptcy, foreclosure or short sale (including deed in lieu) would again become eligible for … (0 comments)
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mortgage: "Now I See Where This Is Going..." The Dodd-Frank Comp Reform Plans Meet the Battlefield
- 05/23/11 03:22 PM
"Now I See Where This Is Going..." The Dodd-Frank Comp Reform Plans Meet the Battlefield
As many Real Estate professionals know, if not care, the ways in which a mortgage loan originator (MLO) can be compensated changed drastically on April 1, with the implementation of the Dodd-Frank financial reform bill. The MLO/client relationship had to be substantially retooled in order to assure that both the financing could be completed to the client's/transaction's needs, and that the loan officer could get paid. Depending on the institution for which the MLO works, and the infrastructure of that entity, the compensation plan might be more or less flexible --- some allowing … (3 comments)
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mortgage: 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)
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mortgage: 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)
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mortgage: Marin Runs at the San Rafael Mile on June 5!
- 05/18/11 03:36 PM
Marin Runs at the San Rafael Mile on June 5!
Come on out on June 5th and join us at the 2nd running of the San Rafael Mile. How fast can you run one mile??? Be part of the fun with family, friends and a handful of four-minute milers as the excitement heats up right in the heart of downtown San Rafael.
2011 USATF Pacific Assocation Mile Championship
Time Schedule6:30 am: Race Day Registration Opens 7:45 am: Senior Women (50 and Over)8:00 am: Senior Men (50 and Over)8:15 am: Master Women (40 to 49)8:30 am: Master Men (40 to 49)8:45 am: … (0 comments)
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mortgage: Realtors w/ Homes Listed Between $780K and $950K, I Want You!
- 05/17/11 07:21 AM
Realtors w/ Homes Listed Between $780K and $950K, I Want You!
As we go into the remainder of the spring buying season and onto summer, I noticed that here in Marin County there are approximately 100 homes listed for sale in the price range between $780,000 and $950,000, so I wanted to reach out to every listing agent who has a property on the market in an area where we have been able to take advantage of the Fannie Mae hi cost loan limits. You may be thinking, "Why is a mortgage professional interested in contacting the seller's agent instead of the buyer's?" Here … (0 comments)
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mortgage: California Mortgage Rate Update: 05/16/11
- 05/16/11 06:02 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: 3.000% APR: 3.269% FHA 30-Year Fixed (96.5% Financing) … (0 comments)
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mortgage: 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)
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mortgage: California Weekly Mortgage Rate Update: 05/02/11
- 05/02/11 07:49 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 e-mail 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: 4.750% APR: 4.774% 15-Year Fixed Rate: 4.000% APR: 4.034% 7/1 ARM Rate: 3.500% APR: 3.699% 5/1 ARM Rate: 3.250% APR: 3.460% FHA 30-Year Fixed (96.5% Financing) … (0 comments)
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mortgage: 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)
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mortgage: 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)
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mortgage: California Mortgage Rate Update: 04/25/11
- 04/25/11 12:42 PM
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 e-mail 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: 4.750% APR: 4.774% 15-Year Fixed Rate: 4.000% APR: 4.034% 7/1 ARM Rate: 3.625% APR: 3.824% 5/1 ARM Rate: 3.250% APR: 3.460% FHA 30-Year Fixed (96.5% Financing) … (0 comments)
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mortgage: 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)
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mortgage: 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)
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mortgage: Weekend Availability + Implications of a Government Shutdown
- 04/08/11 02:48 PM
Real Estate Professionals, While the Government may be shut down (see below), 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. Seriously, should we experience a shutdown of the Federal government, here are some of the implications to the real estate financing process. If you have a transaction in process with another lender, be sure to get clarification on how your escrow could be impacted. For RPM, we are issuing … (1 comments)
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mortgage: 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)
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mortgage: Home Finance Guide for the Week of March 28, 2011
- 03/29/11 12:28 PM
Home Finance Guide for the Week of March 28, 2011
In this short video, Rob Spinosa of 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; personal income, core PCE, pending home sales index, consumer confidence, adp employment report, initial jobless claims, Chicago PMI, factory orders, … (0 comments)
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