visa: The Lenders, The Dreamers and Me - 05/13/19 07:33 AM
The Lenders, The Dreamers and Me
Immigration, as a topic, has been in the news a lot lately. Without weighing in politically, at least overtly, this is a matter close to my heart as it's not hard for me to forget that my grandparents fit the classic Ellis Island mold that shaped the lives of countless Italian-Americans.  A couple of years ago, I was honored to write a piece for our industry's M Report, and in it, I tried to imagine what it was like for my immigrant grandfather to obtain his first mortgage here in the United States.  Just conjuring his … (3 comments)

visa: Can You Get a Mortgage with an ITIN? - 01/30/19 07:20 AM
Can You Get a Mortgage with an ITIN?
The fact is, despite a very hotly contested immigration debate today in our nation, there are likely several million people in the United States who do not have a Social Security number (SSN), but pay billions in taxes every year.  These individuals might be non-resident foreign nationals who receive taxable income from a US business.  Or they may be dependents or spouses of citizens or permanent residents (green card holders) or foreign nationals on work visas.  But if they earn income here, how would they file a tax return without an SSN, you might ask?  … (0 comments)

visa: Jumbo Mortgage with an H-4 Visa - 04/15/18 08:07 PM
Jumbo Mortgage with an H-4 Visa
"I pledge my head to clearer thinking,
my heart to greater loyalty,
my hands to larger service,
and my health to better living,
for my club, my community,
my country and my world."
Hold on a second!  That's the pledge for 4-H Club, Rob, and you're supposed to be discussing the H-4 visa here.  You've got it backwards.  Ah yes....sorry about that.
The H-4 visa.  This is a visa issued by the U.S. Citizenship and Immigration Services (USCIS) to immediate family members of H-1B visa holders.  These individuals are not US citizens or permanent resident aliens (green card holders) but "non-permanent resident aliens."  Make … (2 comments)

visa: Non-Permanent Resident Alien Mortgages - 02/09/13 11:10 PM

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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