renovation: Can You Add Remodeling Costs to a Mortgage? - 03/27/17 07:43 AM
Can You Add Remodeling Costs to a Mortgage?
One home buyer niche I know extremely well is 10% down payment jumbo mortgage financing.  We have a good number of prospective homeowners in California, especially here in the San Francisco Bay Area, who earn strong income, who have an excellent credit profile but who just do not yet have the full 20% down payment saved for home prices that are, compared to the rest of the country, very high.  These buyers have certainly not failed and they are not out of luck either.  Once they understand just how competitive an 80/10/10 or other … (12 comments)

renovation: How to Not Get Burned When Financing a Flip - 02/20/17 10:03 AM
How to Not Get Burned When Financing a Flip
"If you can't stand the heat, get out of the kitchen."  Well, when buying a home, sometimes the heat permeates not only the kitchen but the entire joint because the home is considered a "flip."  You mean like the proverbial burger flip?  No, I'm talking about a flipped property.
A flip is a home that was recently sold to the current owner and quickly put back on the market.  Just how short a span of ownership can be a matter of debate but we're going to limit the scope of our discussion to a time period of less than six … (3 comments)

renovation: Making a Difference on a Lark: Bernice Baeza, 1943-2012 - 07/28/12 02:32 AM

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

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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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