process: One Thing Leads to Another - 10/23/18 07:24 AM
One Thing Leads to Another
 
It just may be the most frustrating aspect of the home loan process for both borrowers and their real estate agents.  We, the mortgage originator, ask for a specific item, or "condition," required for the loan approval and then upon receipt and review of that item, we come back and ask for something additional.  Wash, rinse, repeat.  One thing leads to another.
 
Sure we all get why there's grief and consternation associated with this phenomenon.  After all, it feels like a vendetta.  It can get personal.  I've had, on very rare instances, borrowers tell me that they simply … (23 comments)

process: Oh Captain, My Captain: Keeping the Gate of the American Dream - 08/08/14 10:53 AM
Oh Captain, My Captain: Keeping the Gate of the American Dream
 
There is that great scene in the movie Dead Poet’s Society where the students are made to stand on their desks.  The point of the exercise, of course, was to get them to see their ordinary classroom from an extraordinary perspective.  I had an equally impressionable experience last week.  Clients of mine, a young couple buying their first home, signed their closing paperwork --- a routine event in the life cycle of a successful home purchase.  
 
So why then did this signing make a mark?  In the … (25 comments)

 
Rob Spinosa, Mortgage Loan Originator, Marin County (US Bank)

Rob Spinosa

Mortgage Loan Originator, Marin County

Larkspur, CA

More about me…

US Bank

Address: 324 Sir Francis Drake Blvd., San Anselmo, CA, 94960

Office: (415) 367-5959

Mobile: (415) 367-5959

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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